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Dear ETR Reader, Whether or not you're a fan of President Obama, you can't ignore the fact that he's pulling in some serious income...
You are receiving this e-mail as a part of your subscription to Early to Rise. Nothing in this e-mail should be considered personalized financial advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized financial advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. _____ To unsubscribe from Early to Rise and any associated external offers, Click here To cancel or for any other subscription issues, write us at: Order Processing Center |
Monday, October 4, 2010
Report Delivery: WARNING this may shock you
ETR: Who's Watching What You Spend Your Money On?
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| Monday October 4, 2010 | |||||
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John Perry Barlow Who's Watching What You Spend Your Money On? You want to buy your favorite $150 bottle of single malt Scotch -- but you don't want your wife to find out. You go to pay the guy who just fixed your fence but find out he doesn't have a bank account. He doesn't want to pay a fee to a check cashing store. And you don't want to give him cash. You'd like to do more shopping online, but you're worried about giving your credit card number to the smaller companies. Your kid's off to college -- and you don't trust him with a credit card. You have family overseas and you often transfer money to them -- but you're losing hundreds of dollars a year in transfer fees. That's where "private plastic," the world's most discreet debit card, comes in. According to the website of the company that offers it, this card:
"First off," Mr. V, a representative of the company, told me, "let me make it clear that this won't work for terrorists trying to transfer money overseas or drug smugglers laundering money. We have monitoring systems that keep track of unusual transactions. Last week, for instance, we caught a guy trying to move large amounts of money each week through Panama." No One Is Talking About These Opportunities for Building Your Fortune No one, that is, except our experts.
Keep Your Spending Private You don't receive statements. (You can get your account balance by text message, if you'd like.) Your account info is only available online at a password-protected site. What about refunds? Doesn't the company keep a record of your transactions to deal with that? "There is a record of the transaction," admitted Mr. V. "Because if, say, you have a problem with a purchase and you claim you never made that purchase, we need to know it happened. But we don't have access to those records. Only the service company that processes the transactions has them." The Roots of Private Plastic Plus, it's just about impossible to get a hotel room or rental car or buy something online without plastic. "And suppose you have to make payments to a guy who cleans your car every week or to your gardener," said Mr. V. "You can pay him with the card." Private plastic is also ideal for transferring money nationwide or even worldwide. It's an alternative to Western Union, and for parents who want to control their kids' spending. (Because you load it with cash, they can never go over the limit.) With private plastic, you load up your card in one of three ways: you take cash to an authorized location, you get a direct deposit from your regular job or work you do on the side, or you get money transferred from a bank account (yours or someone else's). You can have your full paycheck go to the card. (It works just like when you get a direct deposit to your checking account -- and your boss won't know the difference.) Or you can put just a portion of your check to the plastic account -- maybe if you want to budget some "private" money for hobby or special interest. The loading is anonymous, too. And your account is protected just as it is with any other credit or debit card. You don't have to sacrifice security for privacy. Your funds are insured by the FDIC up to $250,000. In case of identity theft or a lost or stolen card, you just call up the company and report it. MasterCard's zero liability policy helps protect you from unauthorized purchases. For more information on how you can get your piece of private plastic, go here for the special report we've just put together with all the details. You'll also find out all about our Liberty Street League premium wealth-building advisory service. Each month, we reveal financial privacy and asset protection strategies like the one you just learned about, as well as strategies for making money in real estate, commodities, precious metals, stocks, bonds, fine art, side businesses, online ventures, and much more. Plus, we talk about saving money through insider discounts, under-the-radar deals, and savvy negotiation. Get all the details on the Liberty Street League here. The Most Powerful Business-Generating Website in the World! Big corporations have been taking advantage of China's ridiculously low wholesale prices for years to reap huge profits. They source products from China for super, super cheap prices... then resell those products in North America at a hefty mark-up... AND SO CAN YOU! That's right. Thanks to the Internet... YOU can do the exact same thing the "big bad corporations" are doing. All you need is a computer and an Internet connection... and the right guidance... and you can have a shot at your own huge profits. And that's what this new system is all about. We call it The China Wholesale Trader. "Dear Mr. Masterson, "I've been an ETR subscriber for many years now. I get soooo much from the ETR newsletter and your weekly journal. This week's journal ("Investment Basics") was especially moving for me in more ways than one. "So many people will benefit from the story you shared here. "Very powerful." Natascha Bolden-Neuling Disappointed with traditional retirement choices? While most Americans fear what's in store for them in retirement, a few are taking advantage of a new program for supplementing their income. ETR's video explains just how it works. Today's Words That Work: Maladroit Maladroit (mal-uh-DROIT) -- from the French -- means unskillful; awkward; bungling; tactless. Example (as used by Jennifer B. McDonald in a New York Times review of Diaghilev: A Life by Sjeng Scheijen): "[Diaghilev's] mother died soon after his birth, and he was raised by his father, a military man turned maladroit businessman, and a 'dreamy' stepmother who taught young Serge never to utter the words 'I can't.'"
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We want your feedback! Let us know your thoughts on today's issue. Email us at: AskETR@ETRFeedback.com Copyright © 2010 Early to Rise, LLC. NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. Order Processing Center |
Saturday, October 2, 2010
Important Message from the Publisher
Dear Reader, Can you believe this video? It's a phenomenon. In fact, it's been sent to more than 519,000 people in just the past 24 hours! But you might not see it at all. Why? Because, for the first time, mainstream medicine's deadliest conspiracy has been EXPOSED. Finally, this video is the 'shot heard around the world' the establishment prayed would never come. To be honest, I'm not sure how long this video will be available. There are powerful interests hell-bent on minimizing the damage it is doing to corporate medicine's profit machine. Before it's banned, watch it here. Sincerely, Jason Holland P.S. Wow. 533,000 people and counting. It's taking on a life of its own. Get the facts now.
You are receiving this e-mail as a part of your subscription to Early to Rise. Nothing in this e-mail should be considered personalized financial advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized financial advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. _____ To unsubscribe from Early to Rise and any associated external offers, Click here To cancel or for any other subscription issues, write us at: Order Processing Center |
The Michael Masterson Journal
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Issue No. 62 - $1.91 | Saturday, October 2, 2010 |
"Charity is injurious unless it helps the recipient become independent of it." John D. Rockefeller The Ten Commandments of Charity Down the road going north from my vacation home in Nicaragua, you pass two hamlets, both bearing the same name: Limon. Most of the families that live there have at least one member who works for Rancho Santana, the residential real estate development my partners and I started 13 years ago. Some work as guards, some as groundskeepers. Others work as housekeepers or gardeners. Still others have found employment as bartenders, waitresses, lifeguards, plumbers, carpenters, mechanics, electricians, or laborers. The homes they live in are two- or three-bedroom wood-framed or clay-block structures. They travel to and from work by bus or bicycle. They get their water from community wells. Their children go to local schools. When they get sick, they get medical treatment at the clinic, which is financially supported by Rancho Santana. It is a simple life, but not without its pleasures. There are baseball games and soccer matches on Saturdays, church-sponsored events on Sundays, and many birthday parties and weddings and baptisms. And ever since Rancho Santana erected a tower three years ago, everyone has a cell phone. When I first came to Rancho Santana, these same families were living in abject poverty. Their houses were shacks put up on dirt floors. Their diet was rice and beans. And there was no medical care available less than an hour's bus ride away. The reason things are better now has nothing to do with international development agencies, government initiatives, or non-profit organizations. It was due to private enterprise. Rancho Santana created jobs that have kept hundreds of people employed for more than 10 years. Moreover, the early success of our project spurred the construction of dozens more up and down the coast that have employed thousands. We didn't go to Nicaragua to upgrade the lifestyle of the people. We went there because we saw a great profit opportunity. And developing the ranch was, indeed, a good deal. That's because we paid much less for both the land and the labor than we would have had to pay in other sun-bathed retirement destinations. So, yes, we took advantage of Nicaragua's low costs to build our community of expensive ($250,000 to $1 million) homes and condos. Meanwhile, we acted as responsible businesspeople, gradually and prudently increasing the local wage levels and investing in services for the benefit of both our customers and our employees. As a result, the residents of Limon Uno and Limon Dos are much better off now than they were before we came -- something I'm proud of. Still, they are poor. And I can't help but be aware of the extreme contrast between what I have and the meager resources of the people who work for me. It's an uncomfortable feeling -- one that drove me to try to come up with ways to help them on a personal level. In the beginning, that meant listening, half-comprehendingly, to their "solicitudes" in Spanish and then handing out dollars. This technique quickly backfired. Within weeks, my serene home overlooking the Pacific became handout central. By the time I got out of bed each morning, a line of supplicants had already formed from the driveway to the front door. I had no criteria except for expressed need, no means of verifying claims, no requirements attached to the money I doled out. What was intended to be an occasional kind gesture had ballooned into an unruly giveaway that was converting the happy, hardworking local population into disgruntled beggars who believed they had a right to anything and everything their neighbors had received. Instead of helping the people in the community, I was creating a culture of dependency and entitlement. In short, I was doing more harm than good. So I reined in my beneficence for a few months to give myself a chance to do some reading and thinking about this problem I was having -- this problem of giving. The result was several insights that became the basis of the charitable work I have been doing ever since -- insights that contradict most popular, conventional "wisdom" on the subject of giving. Here's what I came up with... My Ten Commandments of Non-Destructive Charity Charity is a double-edged sword, and must be exercised with caution. To keep that sword from unintentionally doing damage, I now make sure that 10 rules are followed: 1. The donor must be certain the money is being requested to satisfy a need rather than a want. 2. He must be able to see some productive result from his giving. 3. He must not simply hand over 100 percent of the money that is needed. 4. The recipient must make a formal, written application for the money. 5. He must state, in explicit terms, how he will use it and how it will have a positive effect on him as well as others. 6. The recipient must faithfully and scrupulously honor the terms of his contract, and cannot apply for further assistance until all his obligations have been met. 7. After receiving aid, the recipient must formally and convincingly thank the donor. 8. The charitable action should be a matter of public record. Charity that is private -- contrary to what some say -- is the worst kind. Neither the donor nor the recipient can opt to be anonymous. 9. In giving money (or other help), the donor should assume responsibility for the recipient's actions related to the gift. It is primarily the giver's job to make sure the recipient uses it as it was intended. 10. Throughout the entire process, the recipient must treat the donor with the utmost respect. If your idea of charity is writing a check to Unicef once a year or volunteering for a soup kitchen from time to time, you may find these Ten Commandments disturbing -- perhaps even outrageous. If you feel that way, it is because you have never thought much about what it means to help out your fellow man. Doing Less Harm Than Good -- a New Approach to Giving Loosely enacted, charity can be very destructive. That's why my motto has become: "Do less harm than good." It reminds me that in giving help I take on the responsibility to make sure the help I give doesn't disable. Armed with this mantra and my Ten Commandments of Non-Destructive Charity, I cautiously began to give again. My first action was to hire a young woman to be my administrator. I knew that -- despite my convert's passion for my Ten Commandments -- I would have neither the time nor inclination to do it myself. Next, I put the word out that if anyone wanted anything from me from then on they had to make a formal application to Brenda, not walk up to my house at any hour of the day or night to "platicar." Then, with Brenda's desk covered in "solicitudes," she began implementing my rules. The first new program I had in mind was a micro-lending facility for local people who wanted to improve their living conditions. Brenda prepared a form for them to use to explain how the improvements they wanted to make would increase the long-term value of their homes. (Cement floors were in. Big screen TVs were not.) In addition to the form, we required a handwritten letter from the potential borrower explaining, in his own words, why he wanted the money, what he would use it for, and how he intended to pay it back. Brenda would then verify all his facts, check his material and labor estimates for accuracy, and verify his employment or other proof of his ability to pay back the loan. So far, this is sounding pretty much like an ordinary banking transaction. But we did two additional things (related to my Ten Commandments):
The result? To date, we have executed scores of these loans -- and it is easy to see the impact they have had on many homes in Limon Uno and Limon Dos. Just as impressive, we have a perfect 100 percent repayment rate so far. I don't know if any other unsecured micro-lending program in the USA (or anywhere) has a perfect repayment rate. I attribute ours to the public nature of our program, our inflexibility toward defaulters, and the requirement that recipients say thank you. My next program was to sponsor children who couldn't afford to pay for the school supplies and uniforms they needed in order to attend public school. These were gifts, not loans. We didn't, therefore, have repayment terms but we did mandate applications, personal letters, and letters of thanks from the children themselves. Next were micro-loans for local people who wanted to start their own businesses. My housekeeper, Yesinia, borrowed money to open a clothing store that turned out to be very successful. My gardener/maintenance man, Enrique, borrowed money to establish a little tienda in front of his house. His wife runs it, bringing in extra income for the family. And recently, a group of men came to me with a proposal for a slaughterhouse for cattle. They had a good, sensible business plan and impressive experience. If you walk through Limon Uno or Limon Dos, you will see dozens of little businesses, half of which were funded by this program. Some of them are doing just okay and some are doing quite well. But none has yet closed its doors. Again, I think it has something to do with our criteria. A year ago, I invested in an English language school for the locals. Lots of the laborers at Rancho Santana would like to learn English. They realize that English-speaking jobs (e.g., waitress, bartender, housekeeper) pay 50 percent to 100 percent more than jobs that do not require English. And I'm very pleased with the progress that's been made. Attendance at the school is nearly 100 percent, even on days when the roads to the school are flooded. The students are respectful of our teacher, eager to learn, and proud when they "graduate" to the next level. My latest project is the biggest to date. I'm building a community center just across the street from the entrance to Rancho Santana. It will contain the English school, several technical schools, a library, a crafts room, and a full recreational facility. It will probably take about five years to complete (and use up all of my available income). My youngest son is going to design the library. He knows the area very well and believes the community will welcome a place where they can read, online and off, for free. Jeff Munson, a friend of mine who has bought property near Rancho Santana, plans to retire there after his fighting days are over and teach local kids wrestling and mixed martial arts at the center. Nicaraguans are crazy about baseball. Ours will be the only regulation size field within 30 miles. There will also be opportunities for kids to learn to play basketball, soccer, and tennis. Who knows what future superstars will emerge from this tiny part of the world? Of all the things I've done so far, this is the one that worries me the most. That's because after it has been in operation for a year or two the local people might look at it as something that should be there, something they are entitled to. To combat that, I'm thinking of incorporating some sort of application process, strict rules for good behavior, and maybe an annual membership fee. But I don't sense that will be enough. I'm going to have to add to it as I go. I'm also concerned about the "sustainability" of the community center. Other things I'm doing -- from micro-lending to the English language school -- can eventually sustain themselves. All I'll need to do is charge a small fee to pay for Brenda's time. But I don't think I'll ever be able to charge enough in membership fees to cover the cost of running the center. (By the way, if you have experience in this sort of thing and have some good ideas, pleas e-mail me at AskMichael@ETRFeedbackcom.) Shortly after Daniel Ortega came to office, he fulfilled a campaign promise by giving every poor family in Nicaragua a pig and a kerosene-fueled light. He was a hero that day and for some days that followed. But within a week, the poor people were selling or butchering their pigs to buy things they needed, and a month later the kerosene lights were useless because nobody had money for fuel. "Indiscriminate charity," said Andrew Carnegie (who gave more to charity than perhaps any other person in history), "is one of the most serious obstacles to the improvement of our race." Conclusion: The impulse to help others in need is just as human -- just as deeply ingrained in our DNA -- as the Ayn Randian impulse to take care of oneself and one's own. I see these seemingly contradictory impulses as two sides of the same coin. I believe they are both natural to our thinking because evolution mandates it. But charity is a risky endeavor. It is dangerous not just because it has the potential to promote the idiotic (and ultimately self-abasing) idea of entitlement. It is dangerous, too, because it tends to create dependency, reduce initiative, and sometimes breed resentment. That said, the charitable impulse cannot be denied. And despite its potential for destruction, charity can help promote self-sufficiency, personal responsibility, and reciprocity... if done the right way. More About My Special Theory of Wealth As I've mentioned before, I'm publishing my latest book, tentatively titled The Special Theory of Wealth, in installments as I write it. But only subscribers to the Liberty Street League, ETR's premium wealth-building newsletter, get access. In this month's issue, LSL members learned that almost every decision you make -- no matter how big or small -- is an opportunity to build wealth. And I showed them how to seize those opportunities. Here's a quick excerpt from the essay: My Special Theory of Wealth is based on the observation that our lives our filled with all sorts of events and situations that we can turn into wealth-building opportunities. 2. You can be aware of the things that happen in your life but do nothing to take advantage of them. 3. You can be conscious of the potential value of every situation you find yourself in and invest in them. To see the rest, and to read the rest of my book over the next several months, sign up for the Liberty Street League today. How to Have Great Tenants When I first became a landlord about 15 years ago, I intended to be the best landlord a tenant could ever ask for. I listened to my tenant's stories. I allowed them to pay me "when they could." I did all the repairs that were needed at my expense, even when it was they who caused the damage. Of course, I lost a ton of money. What really bothered me, though, was the "thanks" I got when they left (usually without notice) -- apartments and houses that were completely trashed, often costing me a year's worth of rent (rent I hadn't collected) to put in order. Rental real estate is still a great business -- one I highly recommend you consider getting into. But if you do, heed my advice and practice tough love with your tenants. Here are my rules :
When I got some of my family members into the rental real estate business with me five years ago, they objected to my toughness. I let them do it their way because I know that the only way to learn is from experience. They bent over backward being "good" landlords -- and learned the same lessons I learned the hard way. Needless to say, they now follow my "tough love" rules. [Ed. Note: Michael Masterson welcomes your questions and comments. Send him a message at AskMichael@ETRFeedback.com.] | |
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NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. To unsubscribe from Early to Rise and any associated external offers, Click here. To contact us, please visit... http://www.supportatetr.com/helpdesk To cancel or for any other subscription issues, write us at: Order Processing Center Attn: Customer Service PO Box 7835 Delray Beach, Florida 33482 | |
PLEASE MY DEAR I NEED YOUR HELP.
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Friday, October 1, 2010
Your ETR Insider
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From The Desk of Jason Holland | Volume 1 | Issue 33 | October 1, 2010 |
Dear ETR Insider, Last week, we wrote to all the subscribers to our Liberty Street League premium wealth-building newsletter. We were looking for feedback. What they liked, disliked, and their suggestions for new features and services. The response was tremendous. Rob Smith from New Zealand complimented us on our first-rate research and compelling recommendations. "Please keep up the good work," he said. Cayman Islander Neil Bodden is disappointed that he hadn't followed our tips sooner. "I only wish, after reading the suggestions in your newsletter, I had invested a year ago instead of losing such a great opportunity to have made money in the past year. I will be following a lot more of your contributors' suggestions for investments in the future." If you want to see what all the fuss is about, check out the Liberty Street League. | Speaking of the Liberty Street League... |A big gain in Christian Hill's "World's Least Expensive Portfolio" comes from L-1 Identity Solutions (ID). With global concerns over airline passenger lists, border crossings, and just keeping track of who is who, the company's products are in big demand. The company provides government and private sector companies with the ability to identify individuals through biometric (finger, face, and iris) scans as well as identity credentials. So it is no wonder that the company became a take-over target recently. A French aerospace engineering firm, Safran, recently announced plans to buy the company in a $1.1 billion dollar deal. This will mean each share held by "World's Least Expensive Portfolio" followers is worth $12. They bought in around $7.17 a share back in early June, grabbing a 67% gain in only four months. Christian is always on the lookout for the next big winner. So check out the latest issue of the Liberty Street League newsletter for more of his recommendations. | Bootcamp Is Just Over the Horizon |As managing editor of Early to Rise, I read dozens of reader e-mails every week. So I'm pretty familiar with just what kind of people Early to Risers are. But where I really get to know the hopes, goals, and dreams of our best customers is at events like our upcoming Info-Marketing Bootcamp. And I have the added bonus of being able to help those Early to Risers achieve their aspirations. I'm not the only one who feels this way. Everyone at ETR, from Michael Masterson on down, is eager to help Bootcamp attendees with questions big and small about their businesses. And that goes for all the expert speakers we've invited as well. Our reward is when an attendee returns the following year with a full-fledged Internet business. You've heard from several of those people in the pages of ETR recently -- PJ McClure, for instance, and Pete Genot and Elle Swan. And you'll get to meet them in person if you come to Bootcamp. I urge you to hear their success stories. They were in your shoes just a short time ago. | Offer Ends Today |As we told you earlier this week, American Writers & Artists Inc. (kind of our sister company in that we were both founded by Michael Masterson) is offering Early to Risers an incredible deal on their copywriting training program. The AWAI program was created by Michael Masterson and several of his copywriting colleagues. And its graduates have gone on to make millions for clients (and six-figure incomes for themselves) in just about every industry that advertises. And that includes Early to Rise. (AWAI training is one of the first things we look for in a new copywriter.) AWAI has knocked down the price to just $197 -- from the regular price of $507. And the full one-year guarantee makes signing up a no-brainer. But that offer ends today. So don't wait. Find out how learning to write copy could rescue you from the 9-to-5 grind here. | A Little Lesson From Michael Masterson |I've been to peer reviews (our in-house method for reviewing marketing copy) with Michael Masterson dozens of times. And he's always saying that good non-fiction writing is 80 percent about delivering fresh ideas and 20 percent about presenting those ideas in simple English so they can be clearly and quickly understood. So, during a recent peer review, I wasn't surprised by Michael's response to this bit of descriptive language: "brushed aside a bead of sweat from his forehead." Michael, chuckled, complimented the writer on the imagery. And then said, "It's always best to move these poetic flourishes out of your ad copy and into the novel you've been working on." Until next week,
Jason Holland We want your feedback! Let us know your thoughts on today's issue. Email us at: AskETR@ETRFeedback.com | |
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Copyright 2010 Early to Rise, LLC. NOTE: If URLs do not appear as live links in your e-mail program, please cut and paste the full URL into the location or address field of your browser. Disclaimer: Early to Rise only recommends products that we've either personally checked out ourselves, or that come from people we know and trust. For doing so, we receive a commission. We will never recommend any product that does not have a 100% money-back satisfaction guarantee. Important: ETR is dedicated to bringing its readers the newest, most hopeful and most trustworthy information and advice about internet marketing, findings and products. Because we are a for-profit publication, we include advertising copy in each issue and send our readers advertisements we approve of. When our editors like and use advertised products we talk about their features and benefits in our editorial. Readers should be assured that although we may have a financial interest in a product we talk about, we will never recommend anything we dont believe in. Nothing in this e-mail should be considered personalized Financial Advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized Financial Advice. We expressly forbid our writers from having a financial interest in any security recommended to our readers. All of our employees and agents must wait 24 hours after on-line publication or 72 hours after the mailing of printed-only publication prior to following an initial recommendation. Any investments recommended in this letter should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. | |
