
Right now, you probably think investing is finding stocks that go up, and then selling them -- or having mutual funds do that for you.
I'm here to tell you, there's a better way!
I didn't know it, but I started learning different when I was only two years old . . .
. . . Ike was President back when my grandfather, an accountant for Ralston-Purina, helped his newly widowed daughter invest the life insurance money she'd received from my father's death in an automobile accident.
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"From 1871 to 2003 97 percent of the total after-inflation accumulation from stocks comes from reinvesting dividends. Only 3 percent comes from capital gains."
-- Dr. Jeremy Siegel THE FUTURE FOR INVESTORS ![]()
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Knowing the future of his daughter and two grandchildren were at stake, Grandpa used a simple, common sense -- to him -- approach . . . that most investors, brokers, financial advisors and investment writers have now forgotten (or deliberately ignore, because it's not in their best interests for you to understand this).
See, although my grandfather collected Social Security, he was born and raised before Social Security existed. People back then invested for income, because they couldn't assume they could depend on government checks.

Like this boy, I'm riding on my Grandpa's shoulders -- and so can you!
When they bought stocks and bonds, they held on to them -- so they could collect dividend and interest checks for the rest of their lives. That's what they depended on to pay bills and eat.
Chances are, up until now you've been investing for capital gains, or pushing the responsibility for picking "growth" stocks onto your mutual fund manager.
That's okay -- it's not your fault you didn't know about income investing. The media financial experts don't tell you about it. Your broker won't tell you about it. Other financial writers won't tell you about it. Everybody, including the government (I'm required to tell you that past performance doesn't equal future performance, even though I'm not promising ANY capital gains "performance" in your portfolio -- don't want you to care!), assumes that making money from investing means buying and hoping for a rise in price.
We've all lost money in stocks and mutual funds. We all lost money in the Dot Com Bust. We've all been brainwashed and hypnotized by the mirage of finding the next "ten-bagger."
You still have time to build a secure, long-lasting financial foundation that pays you ever-growing checks.
The world keeps changing, but people's basic needs have stayed the same since we lived in caves. Clearly, if you want a secure income you can depend on, you want to invest your money so it'll help supply people with those fundamentals: food and shelter. Water and fire.
McDonald's and Pepsi-Cola. Apartments and houses. Water and electric utility companies.
You want to invest safely, because 82 million American baby boomers are going to retire in the coming years. (The first one filed her Social Security retirement claim in October 2007.)
Many experts predict this is going to depress the financial markets.
I don't know. Income investments based on basic human needs will continue to send out checks. That's all I need to know and care about.
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"If you're not going to sell a stock, what happens to its price is a matter of indifference."
-- Peter L. Bernstein AGAINST THE GODS: The Story of Risk ![]()
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Yes, sometimes the market prices of "growth" stocks do go up -- but you can't profit from those price rises unless you sell the stock, and then you don't have it anymore, and therefore you lose out on all future price increases. (Plus, you must cut Uncle Sam in on your good luck by paying capital gains taxes.)
Simple logic, right?
Yet brokers (who make a commission when we sell stocks), mutual fund managers (who charge hefty fees for running up your tax bill) and the talking heads on TV (who'd bother to watch these shows if they didn't care whether the market went up or down?) all encourage us to buy investments for growth. Hey, "value" (or "contrarian") investing is really just another way of choosing stocks you hope will grow more quickly than the market.
Wall Street wants you to keep buying and selling so they keep raking in commissions and fees. They know that trading makes you a loser -- the market is just too efficient to beat.

Spend a happy, carefree retirement with your loved ones. Just try out the Income Investing Secrets program.
Mutual fund managers want you to keep sending your money to them. They make millions by trying to convince you that they're better stock pickers than you can be. The truth is, their track records -- documented by hundreds of academic studies -- are worse than throwing darts at a newspaper . . . and they jack up your income tax bill.
But you may ask, won't you have to pay taxes on your income from investments? Unfortunately, that's true . . . but here's the difference --
When you sell a security and pay capital gains taxes on the profit (assuming you have one, which is a BIG assumption), you NO LONGER HAVE THAT SECURITY.. You just "ate your seed corn." You've just dumped your financial future -- and reduced your investment capital.
When you pay taxes on dividends and interest, you still have the underlying security! It'll keep on sending you more checks. You haven't touched your investment capital.
A few voices of Wall Street sanity do urge you to "buy and hold" -- but they forget to tell you that you can buy and hold -- and also receive regular checks!
How can you spend your portfolio's value, without selling any of it?
Look, I'm just an another guy with a job I have to go to every day to pay my bills. I don't have tons of money. My broker doesn't call me up to offer me the latest IPO deal. Yet I want to retire in comfort and enjoy a few of the luxuries I've earned.
So I have spent years studying investing and trading, hoping to find a way to "get rich quick."
I tried many things -- buying options, buying "growth" stocks, putting on commodity option spreads, gold, silver, currencies, index funds . . . if a trade had a 90% success rate, I'd put it on just before the world financial markets nearly melted down.
I failed to get rich, quick or slow. Yet, one day recently I had a revelation -- one of those "things I learned in kindergarten but didn't think they applied in adult life" sudden insights.
You can't have your cake and eat too!
That is -- when you buy stocks for "growth," you can't put actual cash into your pocket until you sell the stock.
And then you don't participate in its future growth, which is why the most honest investment advisors, such as Warren Buffett, advise you to never sell.
But if you never sell growth stocks, you never put cash back into your pocket!
It's a Catch-22 only your broker (because they get paid commissions whenever you buy and sell), mutual fund managers (because most people send their money to mutual funds to avoid thinking about this very problem) and the IRS (because you will owe them capital gains taxes) can win.
Besides, I couldn't help but notice that Warren Buffett himself likes cash-rich businesses such as insurance companies (Geico) and companies that pay dividends (Coca-Cola).
Not only that, I knew enough about modern research by financial scientists to know that the markets are nearly unbeatable. I hate the word "efficient" -- but they are unpredictable.
So I began learning all I could about stocks that pay dividends, bonds, preferred stock and so on. I learned that there're many more income-paying investments than I'd ever heard of -- some of them paying out terrific yields to their investors.
After I began my research into investing for income, I was helping my mother organize her paperwork, and she showed me the original notebook where Grandpa wrote down the stocks he bought for her with the life insurance money from my father's death.
As I looked through it, I wanted to slap myself silly! The secret to successful investing had been under my very nose all along, but I'd been too busy reading all the books by "experts" to realize . . .
In 1955 my Grandpa put together a top-notch income portfolio for my mother!
Thanks to him, my sister Nancy and I had food to eat and clothes to wear.
All I had to do was follow his lead, update it for the modern financial world, and organize it into a system anyone can easily learn and follow.
I hope my mother's wrong about that . . . and I don't want you to invest with the expectation you're going to die any time soon -- but the truth is, it does only make sense to benefit from your investments RIGHT NOW, instead of waiting 1, 5, 10, 20 or more years.
The official Wall Street line is that companies that don't pay dividends use that cash to grow their businesses, so their stock prices will go up further and faster in the future than stodgy, boring, dull companies that actually treat their shareholders as partners in the success of their businesses.
That's a logical theory -- but real life results tell a different story.
Arnott and Arness studied the relationship between dividend payouts and corporate prices for the years 1871 to 2001 and reported on their results in FINANCIAL ANALYSTS JOURNAL. They found that corporate profits rose fastest in decades following the highest dividend payouts, and were lowest in the years following the lowest dividend payouts.
So much for the "keeping cash makes a company grow faster" argument.
From 2000-2002, the S&P 500 stocks that didn't pay dividends fell 33.19%. S&P 500 stocks that paid dividends ROSE 10.4%. The 3-year bear market just SLOWED the dividend paying stocks. And don't forget, those shareholders still received their quarterly dividend checks!
Since 1926, dividends have made up 42% of the total return of the S&P 500. If you invested $1000 in the S&P 500 in 1926 and reinvested dividends, you'd now have $3,326,000 -- but if you didn't reinvest dividends, you'd have only $117,590. That means that the S&P 500 stocks that didn't pay any dividends had pretty punk "growth" compared to reinvesting in the companies that did pay dividends.
Just because you can't reinvest dividends if the company doesn't pay any.
The Mergent large cap index of dividend paying stocks outperformed the S&P 500 from 1993 to 2002 by an average of 1.5% per year. That doesn't sound like a lot, and for one year it's not, but when you compound that over several decades, by the time you retire it adds up to a tremendous difference.
From 12/31/74 to August 31, 2004 large, dividend paying stocks had total returns of 14.43%. Large growth stocks returned only 12.28%.
Thanks to Enron, Tyco, Global Crossing and other corporate scandals, we now know that the "earnings" that companies report can be accounting manipulations. Just numbers that have been gimmicked to look good. But guess what -- dividend checks have to be backed by cold, hard cash in the company's bank account.
None of the big name corporate criminals paid any dividends worth writing about (Tyco did make a one-time token dividend payment of 1 penny per share).
If you bought only the best dividend-paying stocks, you would not have lost any money to corporate criminals!
During the bear markets of 1901-1921, 1929-1954 and 1966-1981 the ONLY benefit from owning stocks was dividends. During those periods, there was NO overall stock market price appreciation! That's 61 years out of the entire 20th century.
61% of the time, you either received dividends . . . or diddly.
As I write this in mid-2008, the Dow is only slightly above its 1999 peak. The Wall Street Journal pointed out that the broad stock market has been the worst performing type of investment, calling the last nine years a "lost decade."
Nobody knows when the market is going to pick up steam again.
What if you retire just as another such prolonged bear market gets started? If you depend on the conventional advice to sell off your portfolio piece by piece, you'll get low prices. That means you'll have to sell off more shares than you planned on, just to pay your bills. How long of a bear market could your portfolio survive?
Remember, this century started off with a brutal bear market, from 2000-2002. It won't be the last.
Thanks to the subprime mortgage mess in the U.S. housing market, the rising cost of energy, the increased cost of commodities, the skyrocketing prices of food, the sinking of the U.S. dollar, the continuing war on terror and in Iraq, the possibility that the next U.S. president will raise personal and corporate income taxes, and capital gains taxe and the looming retirement of baby boomers who will drain Social Security and Medicare, and sell off stocks and bonds to fund their needs in old age . . . the outlook for the stock market going up anytime in the near or even mid-future looks bleak.
Ignore any collapse in the market prices of your investments.
Say what? And how do you do THAT?
Previous generations didn't buy and sell, buy and sell, buy and sell, in a crazy attempt to beat the market. Whether cigar-smoking penthouse capitalists or threadbare widows, they made protecting principal the cardinal rule of investing.
That's the background my grandfather had when he invested for my mother.
People in the past spent income when they had to, but they knew that if they sold the stocks and bonds they owned, they were like a farmer eating his seed corn or the fairy tale couple who killed the goose that laid the golden eggs. Previous generations knew that if they ate their "cake," it was gone.
Notice how boring this list is, even for 1955. Chewing gum, industrial pipes, financial services, cigarettes, chocolate, and that all-time favorite -- hog mash.
My grandfather did NOT buy IBM, even though he was seeing the introduction of mainframe computers and, working for an international corporation, must have known how important they would be to modern businesses.
No, he put my mother's money in the "Old Reliables" . . . not computers -- pork and beans!
AT&T was as high-tech as he went, but back then that was a regulated utility, and it met the basic human need of talking to each other.
Mom doesn't have most of these stocks anymore, to tell the truth. For example, she and Grandpa gave in to the tobacco scare, and sold R.J Reynolds. And since its 1984 split up, AT&T has undergone numerous and confusing changes -- yet it and most of its spin-offs still pay dividends!
And yet that just demonstrates another one of my grandfather's strengths . . .
In 1955, only a few finance professors were reading Harry Markowitz's paper on reducing portfolio risk through diversification, which eventually won him the Nobel Prize for Economics. My grandfather didn't write down a bunch of fancy equations, but he understood the importance of not keeping all your eggs in one basket.
She bought shares of Hershey for $44 3/4 each, and received 50 cents each in quarterly dividends. Now, due to stock splits, each 1955 share is 120 shares paying 29 3/4 cents per share. That's $35.70 per share per quarter -- a 7140% increase, or an average of 13.73% per year (1955-2007).
In 1955 one share of Wrigley cost $96 3/4 and paid $1.25-$1.50 per share. Thanks to stock splits, one 1955 share is now 180 common shares and 45 Class B shares. Each share now pays 29 cents per share. so that's $65.25 per quarter. That's a 5220% increase, an average annual increase of 10% for 1955-2007.
In 1955 the shares of Guaranteed Trust Co cost $84 each and paid 80 cents per share per quarter. That company was eventually bought by J.P. Morgan, and one Guaranteed Trust share is now 41.40 shares of J.P. Morgan. Each share pays 38 cents per quarter, a total of $15.73. That's a 1966% increase -- an average of 3.78% per year (1955-2007).
Notice I'm not telling you how much those stocks've gone up in price since 1955 -- who cares? That's not what's important! Follow the money . . . that goes into your pocket.

Mom and I counting our blessings -- Thanksgiving Day 2007

This is the ONLY available investing for income system that covers the full range of income investing, from stocks and bonds to preferred stocks and real estate investment trusts. AND which tells you straight out -- ignore capital gains.
This website contains a lot of great information about income investing. You can learn a lot from it -- but it's like a jigsaw puzzle. Each page of content is one piece, and to get started you need to see the Big Picture.
You need a step by step plan. You need a system.
That's why I updated Grandpa's work for the current financial markets, included the findings of modern research, and put together the 7 Principles of Income Investing. Using them, I evaluate all your income investing options, then come out with a plan for young investors, investors nearing retirement, and retired investors.
I've read the other books on income investing. They have some good information, but they're now getting behind the times, or they focus on "fixed" income investing (a phrase I hate -- I want you to invest for ever-increasing income), and none of them give you their value system up front, as I do.
Plus, I de-brainwash and de-hypnotize you from the illusions the mainstream financial media and "experts" have programmed into you.
In the Income Investing Secrets system you get:

Dance the night away knowing your investments provide you with a secure, solid financial foundation. Find out how you can safeguard your retirement.

Retirement can be a time of exploring new worlds, of stretching and finding new strengths.
When you invest in income-producing assets you don't have to sell them, because they keep "laying gold eggs." You wouldn't kill a goose that lays gold eggs, would you? You need to invest in assets that will send you checks you can spend or reinvest -- without selling those assets off. (That saves you commissions, fees and taxes.)
1. VARIABLE ANNUITIES EXPLAINED: Tax-Shelter an Unlimited Amount of Money from the IRS and Guarantee Yourself a Lifetime Income Without Getting Ripped Off
Shopping for variable annuities makes sending a rocket to Mars look like child's play. Here I explain how they work . . . and what to look for, and the scams to avoid.
You can't get all this information from any book on the market. The books on Amazon are out of date, and the available ebook on variable annuities isn't comprehensive, and doesn't explain how they work. I know -- I paid around $300 for all of them.

Enjoy the serenity and peace of mind you've earned.
2. SWISS ANNUITIES EXPLAINED: Safeguard Your Variable Annuities With the World's Safest Life Insurance Companies, in What May Be the World's Safest Form of Money
NOT Swiss bank accounts!
Swiss annuities are one of the best "secret" investments in the world, but anybody can buy them.
Here's what you need to get started.
The Swiss are known as the world's safest as well as most secret bankers -- what's not so well-known is that for over 100 years they've also had the world's safest life insurance industry. Not one Swiss life insurance company has ever failed.
Plus, the Swiss franc is over 100% backed by gold and so will probably appreciate against ALL dollars AND the euro AND the yen . . .

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Plus, under normal conditions Swiss law prohibits the seizure of annuities by creditors . . .
Plus, the same strict privacy laws that prohibit Swiss bank employees from disclosing customer information also apply to Swiss life insurance company employees . . .
Plus, ownership of foreign annuities doesn't have to be reported to the U.S. government (as ownership of foreign bank accounts must be) . . .
Plus, earnings on foreign-owned annuities are not subject to the 35% tax the Swiss government imposes on foreign-owned Swiss bank accounts . . .
Many investors have paid $7000 to attend seminars by gurus such as Wade Cook who make unrealistic promises and teach tricks that eventually lose you money.
You can pay other gurus $100s of dollars to take online courses and buy DVDs on how to play the foreign exchange market, buy and sell commodities and options, day trade and more. If these techniques worked consistently then everybody would be rich.
The standard one year subscription for an introductory financial newsletter is $99 -- and once you're in their marketing pipeline, they push you to subscribe to newsletters costing $200, $400 and up.
I've many times paid $50 to $100 and up for books on investing and trading.
Many investment advisors want you to subscribe to THE WALL STREET JOURNAL ($249 per year from Amazon), BARRON'S ($179 13 months), MORNINGSTAR DIVIDENDINVESTOR ($159 per year), VALUE LINE INVESTMENT SURVEY U.S. EDITION ($803) as well as other sources of information.
If you have any sizable amount of stocks, bonds or mutual funds, you've paid out lots of money in commissions, management fees and capital gains taxes. You'd save most of that money if you only bought . . . and never sold.
If you wanted to learn everything in the Income Investing Secrets on your own, you can, to tell the truth. Sift through the tons of material on the Internet. This website does contain a lot of the pieces of the puzzle. Spend hundreds of dollars for investing books from Amazon. Spend hundreds of hours reading, studying and fitting the pieces together into a total system.
Or you can get the system in complete form, all ready to go. All ready for you to just download, and then put to use. With all the work already done for you. Just follow the steps I outline -- I do everything except give you the money to start investing with.
But I want everybody who's retired, thinking about retirement or young enough to get REALLY REALLY rich from this information to put it to use now.
Therefore, your investment in Income Investing Secrets is not $7000 or $500 or even $100 . . .
Just $47 is all I'm asking -- and you can download it immediately to your hard drive, -- won't take more than 5 minutes. As soon as your order goes through, you're directed to a web page where you can download Income Investing Secrets system and the two free bonuses -- even at 2 in the morning.
For less money than you spend to eat dinner out and see a movie, you can tap into the same secrets my grandfather used to secure my mother's ability to provide for her two children -- updated for the 21st century.
You discover how to guarantee yourself an ever-growing stream of regular checks.
Plus, you reduce risk by relying on the basic needs of people.
High tech gizmos come and go -- people have to keep paying for food and shelter.
You can't "beat" the market, so join it! For just $47 you can make yourself a partner in reliable businesses that share their profits with you.
Stop handing your hard-earned savings over to the IRS. Give them a share of your investment "harvest," but keep your "seed corn" so you keep reaping new "harvests" every quarter.
Stop worrying or caring about stock and bond market ups and downs. You can continue to receive checks even if baby boomers retiring does create a massive bear market.
Stop trying to guess which "geese" will grow into "ten-baggers" so you can sell them for a higher price. You don't own a crystal ball, and neither do any of the financial analysts or gurus. Buy geese that lay gold eggs and you never want to sell them.
My mother's gathered gold eggs for over fifty years. She raised two demanding children that way, and now that we're out of her hair, has a nice lifestyle. She spends her time reading catalogs, not annual reports. She watches movies on TV, not Moneyline. She goes on cruises with friends and flies to visit her grandchildren. You too can join in the fun.

I fully guarantee your satisfaction with Income Investing Secrets.
You have 60 days to read it and see for yourself. If you're not convinced in 60 days that it's the most comprehensive and helpful system to invest for income in any and all market conditions, I demand that you demand your money back! If you are not satisfied and delighted, for any reason, you get your money back.
No matter what, the two free bonuses are yours to keep and profit from.
Therefore, you risk nothing!
sincerely,
Rick
Rick Stooker
Check out income investing now
The word about income investing is already leaking out. The Dot Com Bust, the accounting scandals and the subprime mortgage scandals are already making many people question the wisdom of relying on capital gains price appreciation. More and more people are buying up dividend-paying stocks, corporate bonds, real estate investment trusts and more. The longer you wait, the higher the price you'll have to pay for your streams of income.
Flip the bird to the stockbrokers, mutual fund managers, financial advisors, market gurus and "analysts" who want to suck the blood out of your retirement funds. Invest your money well . . . and you can spend your precious time enjoying life with your family instead of watching boring talking heads on TV.
For the price of a few pizzas, you can put into your hands the most complete system for learning how to protect you and your family's retirement and inheritance NOW.
If you have money in any actively-managed mutual funds, your investment in Income Investing Secrets system will more than pay for itself when you switch to the most tax-efficient forms of investment.
I want to avoid the baby boomer retirement market crash
Income investing is not for everyone. Maybe Income Investing Secrets is not right for you. It does have one MAJOR flaw -- when the next investing bubble comes, you won't brag about how much money you're worth (on paper). You'll remain invested in boring businesses. Your friends may laugh at you, even as they keep on buying the products from the companies that keep on sending you quarterly checks.
But if you can handle cashing checks from boring companies, Income Investing Secrets if the guide you need to financial security and prosperity.
Rick, I want to cash lots of checks from boring companies
Hey, I know I'm going against the common wisdom here, but tell me if what I'm saying isn't simple logic. You invest for income. Of course, all investments come with risk -- some of Grandpa's 1955 picks have bitten the dust. But I show you two powerful ways (one proven by the finance professors) to ensure that the failure of any one investment doesn't ruin you. (My mother's living a comfortable life.) You never sell any investment that continues to send you checks.
Rinse and repeat as often as you can.
You don't set your alarm clock except when you're going to catch an early airplane flight to visit an old college friend, tour Italian art museums or go on an African safari. Your days are full of fun activities: golf or tennis or walks in the park, lunch with friends, movies, dinner with friends, concerts, shows . . . watching your grand or great grandchildren play soccer . . .
Life is good. Of course, everything costs money. Yet you can pull out the cash or your debit card with confidence, knowing you have more than enough funds, and you'll never run out -- even if the government's Social Security trust funds do.
You'll leave a legacy to your family they'll appreciate more and more as the years go by.
More importantly than the money, you'll give them what my Grandpa left me (and Mom is still providing) -- a terrific example to follow . . .

Your children, grandchildren and great-grandchildren appreciate everything you do for them.
So long as people around the world still drink water, eat chocolate and turn on electric lights!
The principles of investing for income are the same everywhere.
Many of the details in this system won't apply to you. I can't know the retirement, tax and investment laws of every country. You'll have to research your own country's rules about retirement accounts, investing, currency transfers etc.
But I'm sure that everybody in developed countries and in free developing countries can get hold of most or all of the securities I mention by name.
Plus, although I am focused on the U.S., I do advise EVERYONE to diversify your investing around the world. And I do provide detailed suggestions that everybody can follow, if their government allows.

sincerely,
Rick Stooker
Rick Stooker
P.S. Look, I'm a baby boomer thinking about retirement myself. I want dividends and interest to reinvest now, so that when I'm older I receive a stream of big, ever-growing checks. These techniques fed and clothed me when I was a child. Updated for the 21st century, they'll feed and clothe me and my loved ones when I'm a senior citizen!
Please don't wait until everybody else is already selling off their growth stocks. When everybody wants to sell, there's nobody left to buy -- and then it'll be too late to get your money back.
Every day your retirement savings is tied up in "growth" stocks, you're at risk of its value going down -- and you're failing to receive the regular dividend and interest checks you could be receiving, so you have a great time when you say goodbye to the Rat Race.
Or maybe you plan to bet your retirement lifestyle on Social Security . . . ?
Rick Stooker
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I am not a financial advisor. I am not a broker. I am not a financial planner.
I have no professional licenses.
I am a wide reader and an independent thinker and this site gives my opinions on the subject of income investing.
Nothing in this site is to be construed as professional advice.
I am not responsible for the results of your investment decisions.
Past results are no guarantee of future returns.
You must read, think over what I say, make your own investment decisions and take responsibility for your own life, including the results of your investment decisions.
Continuing to stay on this site implies your acceptance of these terms.
Income Investing Site Full Website Agreement
Copyright 2008 by Richard Stooker and Gold Egg Investing LLC. All rights reserved.
Thanks to my cousin Steve Jacoby for taking the great picture of Mom and I.
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