Congratulations - income investing winner Hi, %firstname_fix%, Rick Stooker here from Income Investing Secrets, and I just want to say -- Congratulations! By sending off for the 7 Reasons to Invest for Income Now More Than Ever ecourse, you've shown that you're smarter than the people who have visited my site, but decided they don't need this information. I don't care if their portfolio is worth $100 million. The more they depend on future capital gains, the more vulnerable they are to market downturns and wrong guesses. (Besides, Bernie Madoff has proven that even very wealthy people can be quite stupid about investing their money.) You've proven that you at least have an open mind. You're willing to listen to the "other side." Of course, you can unsubscribe at any time. Please take the time time right now to whitelist this email address with your Internet email provider, so you'll be sure that every email reaches your inbox. sincerely, Rick Stooker P.S. -- I hate spam as much as you do -- I get hundreds of spam emails a day! Therefore, I will never sell, trade, rent or give out your email address. These emails are sent out by a third-party service. Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 1. I'll gladly pay you in 20 years for a hamburger today . . . Hi, %firstname_fix%, Rick Stooker here from Income Investing Secrets, and I've got a "crazy" question to ask you . . . Would you take a job that paid you ONLY with stock options? Imagine you're offered a job with a new, small company with a terrific product -- The president tells you they have big plans to grow into a leader of their industry. Then they'll do an IPO (Initial Public Offering) and everybody owning stock options is sure to get rich. You get excited. You know that many people at Microsoft, and Dell, and Wal-Mart are wealthy because of stock options. And you believe in this company's future. But just as you're about to ask, "When do I start?" the president says, "I have to mention one other little thing." "Yes?" "We can't afford to pay you anything now -- that is, in cash. You'll get your stock options of course. After the IPO you'll be wealthy. But right now, we need all our capital to pay the company's other bills." You can't shake the president's hand. How could you even drive to work if you had no money to buy gas? Your children want to eat three meals (and ten snacks) every day. . . YOU want to eat every day! Your mortgage company, your local utilities and the department store all want a payment from you every month. They don't care about the company's future IPO. They want cash -- NOW! We all have daily needs and monthly bills to pay. These won't wait for the future, no matter how bright. Yet when you invest your money for GROWTH, you're making just such a deal. You're sacrificing the present for the (uncertain) future. You're hoping the stock price will be higher when you retire . . . you're exchanging today's money for a promise of capital gains tomorrow. Wouldn't it be great to receive a regular return on your money TODAY? Additional streams of cash you can use to pay today's bills? Or to reinvest so your investment returns keep growing? Now you can learn the safe, secure and easy way to invest for income -- YOURAFFILIATELINK Once your investment income is large enough, you can quit working. "Retire" no matter how old you are. You'll have the freedom to do what you want: Play golf, go scuba diving in The Bahamas, drive around the country or play the guitar again . . . just like you used to, before you gave it up to take a job to pay the bills. If you enjoy your current career, you can stay on your job because you CHOOSE to -- without worrying about layoffs or what your boss thinks of you. YOURAFFILIATELINK The Income Investing Secrets system is like having your own personal, 24 hour a day on-call, NO-FEE financial advisor! It's fast and easy to use -- just turn to the chapter that applies to you (young, approaching retirement age or already retired). You'll find the names of specific financial investments. Then all you do is put in the order to your broker. I do everything except supply you with the money to invest with! YOURAFFILIATELINK Don't waste another day worrying about the markets. If this type of investing were the job above, you'd get paid regular paychecks whether the company ever reaches the IPO stage or not. You don't have to depend on Wimpy's famous false promise to pay you Tuesday (or, for stocks, the 20 years you're typically advised to buy and hold) if you'll give him a hamburger today. living for income today -- and tomorrow, Rick Stooker P.S. Income stocks are remarkably cheap right now, thanks to the financial crisis and stock market's bear market. Now is the time to scoop up high-yield bargains. Or would you rather wait until income-generating investments go up in price? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 2. Jump off the roller coaster . . . ? Hi, %firstname_fix%, Rick Stooker here from Income Investing Secrets, and I tell you this one only because I feel "honor-bound" . . . See, to me it's a LOUSY reason to invest for income -- but I know that most people still think it's important. So I can't ignore it . . . Ever ride a roller coaster? If you're like me, they're a lot of fun . . . but you're secretly glad when it's over. When my niece and nephew were little, they'd come to visit every summer, and we'd wind up at the Eureka Missouri Six Flags amusement park. It was lots of fun going with them on all the rides, including of course the Screaming Eagle roller coaster. We'd go up, down, left, right and -- upside down. Fast. Gave my stomach and inner ears a good workout! I'm sure that when you were a kid you went on roller coasters too, and you've taken your kids on them. They're fun, right? But do you want to go on them every day? Let's face it -- they're only fun because they're SAFE. We know the machinery is tested and sturdy. If we can hang on for just a few twisty seconds, we'll be walking on solid ground again. So we hang on and scream, and smile when it's over and run around to get in line again. But what if we didn't know how the ride was going to end? It wouldn't be fun anymore, would it? It'd be terrifying, and that's how we feel when we see our investment portfolios go up and down . . . Because we can't know how or where they'll finally end up. We plan to sell them at a later date. Will we make or lose money? We don't know. No matter how much your portfolio is up now, it could go down next month or next year. Just ask high tech investors. In 1999 they were at the top of the hill, but they soon plunged down a steep incline . . . From November 2007 to early 2009, the market lost about 50%. You can't stop market prices from going up and down, but by adding income investments to your portfolio, you can smooth out the ups and downs, making the ride less upsetting to your stomach. YOURAFFILIATELINK For example, the price of bonds can and do go up and down, but normally only in response to changes in interest rates in the overall economy. These do change over time. But bonds display nowhere near the daily up and down price bounces of stocks. They're far less volatile. It's simple. Volatility is what the financial experts call "risk." Holding bonds in addition to stocks reduces volality. Sound good so far? YOURAFFILIATELINK Stocks that pay dividends also reduce your portfolios's volatility, because they're less risky than stocks that don't. Companies that pay dividends tend to be bigger, older and more established than those that don't. They've survived for years, so they're less likely to go out of business. They're still growing, but they're already too big to grow dramatically. Therefore, in a bull market the market prices of dividend-paying stocks don't go up as high or as fast as the small, glamorous, "sexy" growth stocks of small companies with good stories. However, in a bear market their stock prices also don't go down as far down as the small, now-in-desperate-financial-trouble stocks that need all their cash just to make their payroll. This means that adding dividend-paying stocks to your portfolio smooths its ups and downs -- so you sleep better at night, knowing your money is more secure. Isn't that what you want? YOURAFFILIATELINK level-headedly yours, Rick Stooker P.S. Sooner or later, many baby boomers are going to start selling off their "growth" stocks to pay for their retirements. Who's going to buy them all? Us baby boomers are the "pig in the python" of all the population graphs. Are you willing to bet your financial future that the biggest generation in history can't or won't depress financial market prices? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 A fractured fairy tale for investors . . . Hey there, %firstname_fix%, Rick Stooker here from Income Investing Secrets, and I'm wondering why they left the king's taxes out of the fairy tale about the goose that laid the gold eggs . . . Remember the farm couple who killed the goose that laid the gold eggs, thinking they'd take all the gold inside it, but instead found only goose guts? That story must go back to old times, when kings and all local lords, dukes, counts and other royalty collected taxes from their subjects. Let's face it, that's how the nobility got rich! If the couple had kept collecting a gold egg every day, they were going to owe a big pile of gold eggs to the local lord's Royalty Revenue Service. Maybe they ate the goose just so they wouldn't have to fill out the extra tax forms! Even as children hearing that story, we know the couple was foolish. But today, millions of people refuse gold eggs (dividend and interest checks) they could have, just because the government will collect a percentage of them as taxes. Are you refusing to own geese that lay gold eggs, just so you don't have to pay taxes on that income? Now you can discover how to save up a big pile of gold eggs, buy more geese that lay them -- and minimize the taxes you pay. Wouldn't you like a big pile of gold eggs? YOURAFFILIATELINK I've done all the work for you. I've researched all types of investments that produce income. I've learned how to maximize your income while lowering your risk of losing money. YOURAFFILIATELINK Of course, if you have a 100% guaranteed-by-God crystal ball, so you know which growth stock is going to go up in price the most by the time you retire, you don't need Income Investing Secrets. Advocates of growth stock investing say, if you buy the next Microsoft (or Wal-Mart, Intel, Dell etc) and sell it within my IRA, you don't have to pay taxes on the capital gains. That is true. However, they have sold off the goose instead of the gold eggs. If you sell stocks you own but still want to remain invested in the stock market, you must then find the NEXT Microsoft (or Wal-Mart, Intel, Dell etc) to invest your money in. You may not be so smart (or lucky) again. Or maybe I'm wrong -- maybe you do own one of those 100% guaranteed-by-God crystal balls. Or are you an ordinary person like the rest of us, who just wants to have a pleasant, safe and worry-free retirement? YOURAFFILIATELINK Income investor let their geese keep on laying gold eggs. Inside tax-deferred accounts, they're even more valuable, because you defer paying the king any of your gold eggs. looking for the gold, Rick Stooker P.S. How many financial gurus, TV talking heads and newsletter analysts predicted the current subprime 'mortgage mess and its effect on the stock market? None that I know of -- so if they're so smart, why didn't they see this coming? You can't depend on anyone who doesn't have a 100% guaranteed-by-God crystal ball. Wouldn't you rather stake your future on profiting from the basic needs of humanity (which haven't changed fundamentally since we lived in caves)? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 4. My accounting teachers are spinning in their graves . . . Hi, %firstname_fix%, Rick Stooker here from Income Investing Secrets, and this reason could have landed me in jail! See, my degree is in Accounting, so I think, what if I'd had an alternative life . . . one where after graduation I got a job with one of the Big 8 (at that time) accounting firms, and eventually wound up auditing Enron? Would I have had the courage to blow the whistle on both Enron -- and Arthur Andersen my employer? I don't know. I do know that my accounting teachers at Southern Illinois University at Edwardsville must be appalled by what happened at Enron, and other major companies. When I was an accounting major many years ago, there was an on-going controversy in the profession about whether or not companies should be allowed to expense or capitalize research and development expenditures. Doesn't sound very exciting, does it? See, in those days, accountants were concerned about setting standards that reflected reality and were fair to both companies and investors. Auditors understood their fiduciary responsibility to accurately evaluate a company's bookkeeping. They argued over fine points, yes -- but not about how to trick investors! When I read that Enron executives had found a way to turn debts into assets, my head hurt. Believe me, that was never taught in any of MY accounting courses! And when I learned that Arthur Andersen accountants allowed this, so the firm could make even more money by selling Enron its consulting services, I cried a little for the profession I trained for but never practiced. In 2002, thanks to Enron, WorldCom, Tyco and other such companies, we learned that many corporations had been using crooked methods to hide expenses and artificially enhance revenues. Incredibly, such formerly reputable accounting firms as Arthur Anderson continued to certify the books of these companies. Now, corporate accountants use many outrageous tricks to manipulate earnings. They play bookkeeping games with pension funds, off the books derivatives, offshore funds, subsidiaries and so on. And there's no reason to believe that questionable practices are confined to the few companies that have been caught and put out of business. So how do you as an investor protect yourself? In my college accounting classes I was NOT taught to make balance sheet items disappear, and then reappear in new places -- like a stage magician sawing a woman in half. One thing not even Houdini or David Copperfield could do, however -- is fake the cash in the bank needed to back up dividend checks sent to company shareholders. You can't detect fraud yourself. Even if you know how to read the balance sheets and income statements published in annual reports (and most investors don't), you can't know the true story behind those numbers without closely examining the books. And if they're hiding something off the books, you can't find that from examining the books! That's why accounting firms are required to audit publicly owned and traded companies. So investors can know that a responsible third party is looking out for financial fraud and tricks. When an accounting firm certifies that a company's balance sheet and income statement is accurate -- but is knowingly overlooking poor accounting practices or even outright fraud -- that is a blow to our open financial markets, which puts our entire capitalistic system at risk! You can't know when this is happening. However, you can insist on cash income from your investments. Cash is cash, no matter what the accountants call it. Whether it's from dividends or bonds, you can spend or reinvest it. Would you like to protect yourself from accounting fraud? Would you like to protect your entire portfolio from all investment risk? Would you like your portfolio managed by a Nobel-prize winning technique? Now you can have that -- and it's easier than you think. You can implement the asset allocation principle-- without the PhD level math. YOURAFFILIATELINK A company can manipulate its accounting "earnings," but to pay dividends and interest, its checking account must contain enough real money to back up the checks it writes. YOURAFFILIATELINK You can protect your investments with the same principle used by all responsible portfolio managers in the world -- the ones who invest pension funds, insurance funds, trusts and index mutual funds? That's trillions of dollars (including euros, yen, Swiss francs, British pounds and more). Do you think those guys and gals take stock tips from TV and newsletter gurus? YOURAFFILIATELINK A company that pays dividends to its shareholders can still commit accounting fraud -- nothing in this world guarantees 100% honesty -- but at least you still receive those dividends. You won't end up like so many Enron shareholders. keeping honest books, Rick Stooker P.S. I'll let you in on a little inside secret. When a copywriter writes a sales letter for a financial newsletter, they pick and choose what facts and figures to give you. They don't fake information (that's downright wrong, and illegal), but they do "spin" the facts. They don't tell you when the newsletter's advice lost money for its subscribers. So you get the facts, but a biased view of them. Do you want you and your family's financial future to depend on the opinons of a newsletter editor? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 5. Two thumbs up! Hi, %firstname_fix%, Rick Stooker from Income Investing Secrets here -- I'm wondering where Hollywood would be if movie producers made films like the "experts" tell people to invest . . . I mean -- and this is NOT a trivia or trivial question -- have you ever seen a movie that was boring for two hours but had a super-entertaining ending? Think about all the proven, classic films . . . CASABLANCA is full of terrific dialogue ("I'm shocked -- shocked!.") and stirring scenes (the playing of La Marseillaise). Musicals from SINGING IN THE RAIN to THE SOUND OF MUSIC to THE ROCKY HORROR PICTURE SHOW reward viewers with many song and dance numbers from the beginning to end of the movie. WHEN HARRY MET SALLY is known as a "date" movie -- but who doesn't laugh themselves sick at the scene in the cafe when Sally fakes an orgasm? We believe in the ending of THE GODFATHER because we saw Michael was always a good son who loved his father. All those movies all have terrific endings, but they're entertaining from the get-go. They don't wait until the final reel to reward the audience for watching. Movie producers are hard-nosed business people. They know that if they don't "pay dividends" to their audiences from the very first image, people will get bored, finish their popcorn and walk out of the theater long before the movie's over, demanding their money back. Yet financial "experts" have somehow convinced people (who won't sit through a 2-hour movie hoping to be entertained at the end) to wait from 5 years to forever before profiting from their investments. This, despite the fact that, historically, half of all stock market total yield has come from dividends. Just like a movie that doesn't try to entertain you until the last 10 minutes is a boring movie, an investment that doesn't reward you until you sell it is a poor investment. Wouldn't you like to receive a continuous cash flow from your investments? YOURAFFILIATELINK In his book STOCKS FOR THE LONG RUN, Jeremy Siegel publishes a graph showing the total return of stocks versus bonds, cash and gold -- starting in the early 1800s. It's impressive -- it clearly shows that if you'd bought common stocks in the early 1800s and held them until now, you'd have far more money than if you'd invested the same amount of money at the same time in bonds, cash or gold. What many readers of the book miss is that the graph does not display only the rise of stock market prices over that time period. It also figures in the average dividends paid by those stocks. For the past 100 years, the price appreciation of the Dow Jones Industrial Average has averaged 5.25% per year. Yet stocks are commonly said to return an average of 10% per year. The remainder came from dividends. Don't you want to get the full value from your stock market investing? YOURAFFILIATELINK The movies with the best endings are the movies that are the most entertaining from the very first scene. I don't think many film critics, reviewers or ordinary movie fans would disagree with me about that. The good news about income investing is that it doesn't ever have to end! We want movies to end so we can go do other things. But don't you want investments that keep rewarding you for as long as you live? That keep sending out interest or dividend checks for as long as people need to eat? For as long as people need electric lights? For as long as people need to rent apartments to live in? YOURAFFILIATELINK entertaining and informing you from first email to the last, Rick Stooker P.S. As I write, the U.S. stock market is down because of the subprime mortgage mess. Home mortgages are on houses. Houses are a form of real estate. Therefore, real estate is a risky investment . . . right? Well, subprime mortgages certainly are. But home mortgages have nothing to do with apartment buildings, shopping malls, golf courses, storage units, nursing homes, strip shopping centers, office buildings, industrial parks and other types of property owned by real estate investment trusts (REITs). Therefore, because of the market's confusion, you can get now get bargains on high-yielding REITs. Some of them may even benefit from the mortgage mess (for example - many people who're foreclosed on will move into apartments). How can you take profit from real estate that is NOT risky, because it meets the basic needs of people and businesses? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 6. Is beauty in the eye of the beholder -- or the market? Hey there, %firstname_fix%, , Rick Stooker from Income Investing Secrets here, and I bet that if you were a judge in a beauty pageant, you'd vote for the woman you found most beautiful -- not the one you thought the other judges would pick. Most people will make their own choices of beautiful women (or handsome men). But when it comes to picking stocks, they look around to see what everybody else is buying, because the stock that everyone else likes to buy is the stock that will go up in price. And buying stocks that go up in price is what most people are brainwashed into doing . . . In the 1930s the famous economist John Maynard Keynes compared investing in the stock market for capital gains to the beauty contests that British newspapers used to hold to increase reader participation. The newspaper would publish the pictures of 20 beautiful women. Readers of the newspaper would then be asked to select and rank the woman they thought were most beautiful. The newspaper also offered a prize of money to those readers who correctly guessed which women that most OTHER READERS thought were the most beautiful. So if your goal was to win money rather than expressing your own personal opinion of which women were most beautiful, you had to figure out which women would be selected by other readers as most beautiful. Whether you agreed with that assessment or not. So you had to forget about which women most appealed to you personally, and decide which ones would most appeal to the other readers. When you buy stocks for price growth, you are guessing which stock will be most popular with other investors. And they're doing the same thing. Invest for income, however, and you can concentrate on the "beauty contestants" (stocks or other investments) you find most attractive. You don't have to care what the market does or what stocks other investors buy. You receive money with every interest or dividend check. YOURAFFILIATELINK That's why stock picking is so useless. You're not looking for the best company, you're looking for the company that everybody else thinks is the best stock. And they're doing the same thing. Everybody is going in circles, so soon everybody's heads are spinning. Wouldn't you like to stop trying to outguess the stock market ("beauty content")? Wouldn't you like to stop caring about whether the Dow Jones Industrial Average goes up or down? Wouldn't you like to stop worrying about the safety of your portfolio in these troubled times? Wouldn't you like to know that you'll never run out of money? Wouldn't you like to rely on the basic needs of people for your income, instead of Social Security (or your own country's retirement system)? The good news is, the Income Investing Secrets program teaches you how to do all these -- and more. YOURAFFILIATELINK beautifully yours, Rick Stooker P.S. As I write, the U.S. dollar seems to be going down the toilet. It's lost tremendous value against the euro, the Swiss franc, the Japanese yen, the British pound, the Canadian dollar and -- for all I know -- the Thai baht. How can U.S. residents protect their spending power? In Income Investing Secrets, I tell how to beat inflation (which a falling currency causes) and to diversify your income from around the world. Aren't you looking to protect your spending power? YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052 7. A tale of two young investors . . . Hi, %firstname_fix%, Rick Stooker here from Income Investing Secrets, ready to show you the most powerful way to get rich . . . In their book ALL ABOUT DIVIDEND INVESTING, Don Schreiber Jr and Gary E. Stroik give an example of two brothers who're each given $10,000 by their father in 1944, when they're both 25 years old. They both invest in large Dow Jones Industrial Average companies. Both of them keep the shares of stock through their life. But one brother reinvests his dividends and the other one spends them. In 1944 they each receive $483 in dividend income from their stock (the Dow Jones yielded an average of 4.83% back then). One brothers spends that $483. The other one uses it to buy more Dow Jones stocks. This pattern continues for forty years. By the end of 2003, the brother who spent all his dividends had a stock portfolio worth $769,000, and it paid him $16,000 a year in dividends. By the end of 2003, the brother who reinvested his dividends to buy new shares of stock had a portfolio worth $4.9 million dollars. And it paid him an annual income of $99,000. That's the difference reinvesting makes. The real power of income investing comes from REinvesting -- that is, compounding your investment income so that over time you keep generating more and more wealth. Remember when I wrote you about Jeremy Siegel's famous chart documenting how much more the stock market yields than other investments? I did leave out one small detail. Dr. Siegel's chart assumes that stock investors not only receive dividends, but ALSO reinvest them in buying new shares of stock. This allows you to compound your returns astronomically. Today you get a dividend (or interest -- this works with bonds as well, though not so dramatically) check. You use the money to buy more shares of stocks or bonds. Later on you get another dividend or interest check, but it's slightly larger than the first because it includes additional dividends or interest from the new shares of stock you bought with the first check. Start when you're young and continue until you retire -- and you'll retire rich. Isn't that what you want? YOURAFFILIATELINK Enough wealth so that you work only if and when you want? Travel around the world if you please? Laugh at your boss when they threaten you? Not worry about the downsizing plans of your company or the state of your country's or the world's economy? You can have that. I can show you how. YOURAFFILIATELINK This is the last of these emails. Hopefully I've opened up your eyes to the power of income investing. What're you going to do now? You going to continue put your faith in the hustlers and hucksters who tell you to buy "growth" stocks? Or are you going to put your faith in companies that meet the basic needs of people? Are you going to continue to bet your financial future on finding "ten-baggers" even if your name isn't Peter Lynch? Or are you going to bet on the historical trend of dividend-paying stocks to provide most of the stock market's total return? Do you want to spend your retirement selling off stocks and bonds to raise the money you need to spend -- and worrying that you'll live long enough to run out of money? Or are you going to spend your retirement cashing dividend and interest checks from financial investments you never sell, so you own them until you die? YOURAFFILIATELINK Are you going to depend on the stock market to keep going up in price even though 82 million baby boomers (in the US alone -- there're many millions more around the world) are selling off their growth stocks and their bonds? Or are you going to pay attention only to how much your dividend checks go up every year, as good companies with basic, brand name consumer products, utilities, real estate investment trusts and companies that invest in oil and natural gas infrastructure continue to remain profitable? Are you going to chase after ten-baggers and the next Microsoft? Or are you going to learn to use professional portfolio management techniques to protect your investments? Are you going to allow your children and grandchildren to make the same financial mistakes you did? Or are you going to show them a better way -- and leave them a huge financial legacy when you pass on? YOURAFFILIATELINK Are you going to keep spending your income, so you wind up relying on your Social Security just to eat? Or do you plan to stand on your own two feet for the rest of your life, and enjoy every moment of your retirement, doing everything you love, because you deserve it? Whatever your choice, I wish you the best of happiness, prosperity and a fulfilling retirement. reinvesting my passion for income by sharing it with you, Rick Stooker P.S. -- There're many problems facing the U.S. and world financial markets. The rising price of oil and other forms of energy and commodities . . . the continued threat of more Mideast war and terrorism . . . the effect of baby boomers (most developed countries have a baby boomer generation, so it's not just an American problem) on financial markets and government retirement funds . . . I believe that in the long run humanity will get through all these problems, and prosper. Technology will advance, and so will freedom. But that doesn't mean it's going to be easy. Or that many individuals won't suffer in the short run. They will -- a lot. I hope you're not one of the financial casualties. This is my last email to you, so it's time to be totally honest and blunt. It's time to take off the "kid gloves" and talk tough. The world is in a critical time. The next two or three decades are going to be rough. You and your family's financial survival may depend on how you invest your money now. Income Investing Secrets could be your financial survival kit. Wouldn't you like to protect yourself and your family? YOURAFFILIATELINK P.S.S. The Income Investing Secrets system is guaranteed for 60 days. Try it out, and if you're not happy for any reason, you get your money back. YOURAFFILIATELINK Richard Stooker PO Box 617 Ballwin, MO 63011 goldegg2008@gmail.com (636) 394-2052