Atlanta couple's amazing...
"33 Cents-A-Day
Retirement Plan"

Boston Globe calls it, "A retirement plan that leads to easy street."

Atlanta, Georgia residents Jeremy and Lynn Trudeau recently built a nearly $100,000 retirement account simply by setting aside just a few pennies a day—and they did it WITHOUT touching the stock market... options... mutual funds... bonds... penny stocks... or anything even remotely risky.

Now, they're sharing their secret with the rest of America.

Can you spare a few extra pennies a day?


By Tom Dyson

What does 33 cents get you nowadays?

A stamp? ... A gumball? ... Twenty minutes at a parking meter? 

Well, for Atlanta, Georgia residents, Jeremy and Lynn Trudeau, 33 cents has been a retirement "lifesaver."

Just a few years ago the 50-something couple had almost nothing saved up for retirement.

Decades of hefty mortgage payments, countless bills, and paying off their kids' college tuition left the Trudeaus with just $122 for "the golden years."

That wasn't enough to get them started in a brokerage account (which typically requires at least $1,000) or even a low-entry CD or mutual fund (which typically require at least $250).

"We didn't have the money," recalls Lynn. "We had just finished putting our three sons through college."

Then a friend told them about a new way to pay for retirement...

It's a unique retirement opportunity... one that is actually forbidden by the U.S. government from being advertised to the general public (Don't worry it's perfectly legal... and extremely easy to start).

In fact, it's designed and supported by more than 200 of America's biggest and richest corporations. More importantly, it enables you to collect $50,000... $75,000... even $100,000 or more, beginning with as little as 33 cents a day.

For a couple like the Trudeaus, the opportunity was a godsend. Their initial 33 cents a day stake is now worth nearly $100,000. And it's still growing.

What makes this situation so remarkable is that it has nothing whatsoever to do with the stock market... options... bonds... CDs... real estate... mutual funds... penny stocks... or anything else you've likely heard of...

I'll go over exactly how it all works in just a second...

But imagine for just a moment being able to build a 6 or even 7-figure retirement account—and being able to do it with the change in your pocket... or from your morning cup of coffee... or heck, even the change between the cushions of your couch!

That's why I call this secret, "The 33 Cents-A-Day Retirement Plan."

It's the perfect solution for anyone who wants to start out small (as little as a few pennies day), and be able to make A LOT of money. And in case you're wondering, you can start with more than 33 cents, if you'd like:

So, what the heck is going on here?

How is it possible for ordinary Americans to grow just a few pennies a day into five, six, even seven-figure retirement accounts?

How long does it take to make that kind of money? And how come everyday Americans aren't being told about this opportunity?

The answers to these questions—and more—are right here in this letter...

A $1 Million Retirement for Just Pennies?

It's not hard to see why the opportunity I call "The 33-Cents-A-Day Retirement Plan" could put more money into your bank account...

Just listen to the story of a man named Andrew Canter and you'll see exactly what I mean...

A resident of New York City, Canter lived in a gov't-subsidized studio apartment on the west side of 56th Street. 

He was by no means living comfortably. His furniture was falling apart, his bookshelves were covered in dust, and the paint was peeling from his walls.

His job at the IRS barely paid the bills. Despite working there for 23 years he never once got a promotion. In fact, in his last seven years of work, his salary increased by just $150. In short, Canter's approaching retirement looked bleak.

His coworkers felt sorry for him. Even his scrooge of a boss was a little saddened when he thought about Andrew clipping coupons and scrimping by in retirement.

But Andrew Canter had a secret...

You see, Canter's job at the IRS was to audit the tax returns of the very wealthy. And while doing this, he stumbled upon the retirement secret of a lifetime.

Unbeknownst to his coworkers, Canter was able to turn just 96 cents a day into more than $1.5 MILLION.

At one point, Canter was generating more than $100,000 a year, thanks to his discovery.

In fact, Canter had so much money that he gave most of it away. He donated the bulk of it to his favorite college and even had a scholarship named after him.

If you haven't guessed, Andrew Canter uncovered the highly secret world of "The 33 Cents-A-Day Retirement Plan."

The question is, can these plans help you like they did Andrew Canter?

That's what I set out to answer in my recent 6-month investigation of this rarely advertised investment opportunity.

What I uncovered might shock you...

A Rare Glimpse Inside...

The opportunity I call "The 33 Cents-A-Day Retirement Plan" began in the 1960s, during America's economic and population boom.

Back then, our country was experiencing a period of rapid economic growth. To keep up with this growth, America's basic infrastructure – things like bridges, highways, oil refineries, water and sewage systems, electricity distribution, and commercial and residential real estate – needed to be built or improved upon. 

Naturally, there were only a few companies capable of handling such big projects. More importantly, these companies were in constant need of new capital to ensure these projects were done right. 

So the government came up with an ingenious solution. They allowed this group of companies to sell equity shares directly to the public, rather than through the traditional financial markets. This was a pretty big deal, because ordinary Americans didn't have to go through a broker to become an investor.

Said another way, there were NO brokers... NO Wall Street... and NO stock exchanges to deal with. In fact, many of these companies even gave huge discounts (up to 10%) for buying shares directly through the company.

These companies encouraged the direct investment by paying out unusually high dividends and designed programs that automatically reinvested the profits. This ensured that ordinary Americans like you and me could start out small, with as little as 33 cents a day (that's just $10 a month), and quickly accumulate thousands of dollars in savings.

Just how much money can "The 33 Cents-A-Day Retirement Plan" help you make?

Let me show you...

Retire Rich on 33 Cents a Day

One of the companies offering a "33 Cents-A-Day Retirement Plan" is a business called Public Service Enterprise Group, or PSEG for short.

PSEG is a $22 BILLON New Jersey-based energy provider. Founded in 1903, it's a combination of more than 400 gas, electric, and transportation companies.

PSEG delivers electricity and natural gas to over 4 million commercial, residential, and industrial customers in the Northeastern and Mid-Atlantic United States.

Sounds like just another boring energy service provider, doesn't it?

Think again.

PSEG is actually one of the most profitable and stable businesses in the country, and because they are one of the companies that offer a "33 Cents-A-Day Retirement Plan," they can easily help you enjoy a rich retirement.

You see, every year like clockwork, PSEG brings in BILLIONS of dollars in revenue ($12 billion last year alone)... and every year it recycles a large portion of that money back to shareholders through its "33 Cents-A-Day Retirement Plan."

In fact, PSEG claims that it hasn't missed a dividend payout in 100 years!

Sounds like a business you'd like to own, right?

Well, you haven't seen anything yet...

Let's say you decided to take part in PSEG's "33 Cents-A-Day Retirement Plan" back in, say... 1980. And if you stuck with it—adding 33 cents a day (or just $10 a month) since—you would have more than $1.5 million today.

Pretty good for a just a few pennies a day, right?

By comparison, investing 33 cents a day in the dividend-lacking S&P 500 stock market index at the same time would be worth roughly $15,000 today. In other words, investing in PSEG's "33-Cents-A-Day Retirement Plan" was about 100-times more profitable!

But wait... it gets better.

Look at what would've happened if you added more money to the plan over the years – 50 cents... 75 cents... $1 per day... or whatever spare change you could afford. 

If you simply added 50 cents per day (about $15 a month) to PSEG's plan, you'd have more than $2.3 MILLION today...

If you added 75 cents per day (about $23 a month), today you'd have more than $3.4 MILLION.

And get this, if you added $1 a day, you'd have more than $4.6 million today...

That sure beats the heck out of any other retirement plan I've heard of.

But perhaps you're thinking: "Big Deal... It took over 20 years to make that money! Does the "33 Cent-A-Day Retirement Plan" work any faster than that?"

The answer to that question is quite simply, "yes."

The good news is you don't have to wait decades to make a lot of money with these plans...

Let me show you what I'm talking about...

190 Years of Consecutive Dividends

Another "33 Cents-A-Day Retirement Plan" company is a business called York Water Company.

Founded in 1816, York Water Company supplies an average of 20 million gallons of water every day to over 155,000 people in 37 communities in Pennsylvania.

Nothing remarkable there.

But when it comes to "33 Cents-A-Day Retirement Plans," York Water Company is one of the best in the business. They claim they haven't missed a quarterly dividend payment in over 190 years!

Now, let's say you enrolled in York Water Company's "33 Cents-A-Day Retirement Plan" in 2000. Beginning with $5,000 - and adding just 33 cents a day - by 2006, you'd be sitting on nearly $43,000.

If you added $1 per day (just $30 a month), you'd have more than $47,000.

And if you added an extra $2 a day (just $60 a month) to the plan, you'd have more than $53,000.

If you started with $10,000 and added $2 per day you'd have more than $94,000.

Remember, this is in just a few years time.

Now can you see how the "33 Cents-A-Day Retirement Plan" is such a powerful retirement tool?

And of course you don't have to send out spare change every day of the week. That would be exhausting! Nearly all of the "33 Cents-A-Day Retirement Plan" companies allow you to send money whenever you like. So you can save up your spare change and send it once a month... once every two months... or whatever's easiest for you.

It's no wonder BusinessWeek calls "The 33 Cents-A-Day Retirement Plan," "a great way to build wealth."

National Public Radio calls it simply, "a great profit center."

But don't ask your broker or financial advisor about "The 33 Cents-A-Day Retirement Plan." They will try to push you instead into a mutual fund that returns, at best, 10% a year. Remember, brokers can't collect big fees and commissions when you try "The 33 Cents-A-Day Retirement Plan" because you buy shares directly from the company.

Perhaps this is why the government restricts the advertisements of these opportunities. If they didn't, some brokers might actually go out of business! Like I said, you're not likely to hear about "The 33 Cents-A-Day Retirement Plan" any place else.

That's why I've spent the past six months investigating these rarely advertised situations firsthand. I uncovered what I think are the four best "33 Cents Retirement Plan" companies out there today, in terms of big and reliable long-term payouts.

Just how good are these opportunities?

Well, while the companies I told you about already (PSEG and York Water Company) have terrific "33 Cents-A-Day Retirement Plans," they're not even among the top four.

In a moment I'll show you exactly how to get started in these unique moneymaking programs. First, let me tell you a little bit more about the top four:

If you bundle these four investments, you'll get paid an average of once every 2 weeks—about 24 times a year. And because we'll recommend reinvesting the dividends, you can generate huge profits that multiply exponentially every year without doing an ounce of work. So the sooner you get started, the better.

How much money could you make?

It depends on your situation.

Want to pocket an extra $50,000 over the next few years? I'll show you exactly how much money to invest to get the retirement you want. If you want to earn an extra $100,000, I can show you how to do that too. Want $500,000 or more over the next few years? I can show you how to collect this much as well.

Another great thing about "The 33 Cents-A-Day Retirement Plan" is that unlike other retirement plans—such as 401(k)s or IRAs—you can add almost as much money as you want each year (up to $250,000 in some cases). So your money making potential is virtually unlimited. Not to mention, you can take money out whenever you need it, without the early withdrawal penalties that accompany some investments. That's what makes these plans so great.

Here's the next step to getting started... 

Start Getting Paid Today

My name is Tom Dyson.

I'm an investment analyst for an independent research organization called Stansberry & Associates Investment Research—headquartered in the Mt. Vernon District of Baltimore, MD.

Prior to taking my position here, I worked on the trading floor at Citigroup—the largest bond-trading firm in the world. There, trillions of dollars worth of trades passed over my desk every day—some as big as $4 billion.

I'm also a member of the Chartered Institute of Management Accountants—Britain's rigorous accounting certification program.

But what I love most is the grunt work—tracking down rare and profitable investment opportunities where you have the opportunity to collect huge dividends and income with very little downside risk.   

Now, as an investment analyst for Stansberry Research, that's exactly what I do. I get to travel the world to seek out the best income opportunities I can find...

In recent months, for example, I've traveled to Canada, Mexico, New York, Baltimore, California, Britain... The only reason I travel to these places is to talk to smart investors and to investigate new ideas.

For the past 6 months I've been looking very closely at what we call "The 33 Cents-A-Day Retirement Plan." What I've found is that they're one of the safest and most lucrative ways to make a lot of money, while starting out with practically nothing.

If you're interested in getting the full details, I would like to send you, absolutely free, my full Research Report called "The 33 Cents-A-Day Retirement Plan"

This comprehensive report contains the names and details of the top 4 "33 Cents-A-Day Retirement Plan" companies... how and when you'll receive your dividend checks... how to reinvest them... how much you will collect... and most importantly, how to make these investments right away.

To receive access of your free copy, all I ask is that you take a no-risk trial subscription to my monthly investment research advisory, called The 12% Letter.

I know it's an unusual name... so let me tell you more about it...

3 Times the Return with Far Less Risk...

Income.

No matter what your style of investing – no matter how much risk you can stomach – income is the ultimate goal for every investor.

You want to make money.

Of course, income means something different to everyone.

Your broker will probably tell you that as you near retirement age (and especially if you're already there)... you should be more heavily invested in things like government bonds, annuities and CD's. "Safe" investments that will pay you interest.

This is what the experts call "income."

But here's what most investors don't realize:

1.  Everyone should be investing this way – not just older folks who are looking at retirement. Tell me: who wouldn't want to turn $10/month into a potential $100,000?
  
2.  In today's world of record-low interest rates, the last place you want to put large chunks of your money is in bonds and CD's.  

A one-year government bond, at today's rates, pays you less than 4.8%.

The same goes for a 6-month CD. At the end of the year, you'll be lucky if you beat inflation.

That's not income. In fact, that's just the opposite – a slow drain on your finances. Sure, you can eke out a higher rate – say 5-6%... if you're willing to tie your money up in treasury bills for twenty years.

Here's what I say to that: Thanks but no thanks.

The basic premise of The 12% Letter is that you can collect an even greater stream of income by investing in "high-yield" securities – stocks, real estate investment trusts (REITs), master limited partnerships (MLPs) and other vehicles that pay big dividends.

And the promise of The 12% Letter is exactly what the name implies. If you follow the advice in my advisory letter each month, you could see annual returns of 12% or more – that's about 3-times better than what you'd get by investing in other "income producing" vehicles like bonds and CDs.

Best of all, you're not locked into anything. You can take money out... or put more money in... any time you want.

The investments I write about each month in The 12% Letter have traditionally been some of the best performing stocks in the entire market... over almost any period.

It comes down to this: Make sure you get paid.

Every month, in The 12% Letter, I help to make sure you get paid for your investments. I report on the highest-paying opportunities in the market. I'll show you everything you need to know to make 3 times as much money as you'd make with typical stocks, with far less risk, and far less work.

In fact, let me tell you about another great way to make tremendous dividend income over the next few years...

Have you heard of The
Monthly Dividend Company?

Right now in California, there's a small company with one very unique mission...

To provide its shareholders with income for life...

Some companies build houses... other companies make shoes... the company I want to tell you about has just one purpose... to pay out thousands of dollars each month in extra income.

While there are very few certainties in life, it is the specific goal of this company to provide shareholders with increasing monthly dividends... every month... year after year... for as long as you decide to keep collecting.
 
Everything this company does... every decision they make... in fact every business function they undertake... is solely for the purpose of creating a growing and reliable income payout each month for anyone who owns shares.

In fact, that's exactly the way it's written in the company charter:

It even says it on the company's website:

As The Monthly Dividend Company® our primary goal is to provide dependable monthly income to shareholders.

Pretty remarkable, don't you think?

While most companies look to line the Executive's pockets... this company's main objective is to pay shareholders bigger and bigger dividends...

And they've been doing exactly that for 38 straight years ...

Since 1970 this company has paid out 449 consecutive dividends, with 47 dividend increases since 1994.  And... there were 5 increased payouts in 2007 alone.

Have a look at its amazing track record in the chart below...

Since it went public in 1994 the total return on The Monthly Dividend Company has been a whopping 2,540% (that's 8-times better than the S&P 500). A $10,000 investment would now be worth well over a quarter of a million dollars. 

And what's more, management has a huge vested interest in keeping these big payouts coming month after month...

According to one senior executive with the company...

"We enjoy owning shares [of this company] because it provides us with increasing spendable income that we look forward to receiving for the rest of our lives.  The shares that we own are, generally, a large portion of our total assets and we depend on this income to support our families."

Ordinary shareholders love it because it provides safe, reliable, long-term cash payouts...

If you're looking for more income on a monthly basis, this is a situation you simply can't afford to pass up.

Everything you need to know is in my Research Report called: The Monthly Dividend Company. Here, I'll tell you the official name of The Monthly Dividend Company... when you'll receive your dividend checks... and how much you can expect to collect...

This report, like How to build a $1,000,000 Retirement with "The 33 Cents-A-Day Retirement Plan" is also FREE of charge.

To receive access to each, all I ask in return is that you take a no-risk trial subscription to The 12% Letter.

So... Is The 12% Letter right for you?

Only you can decide. But I do have to warn you: It's not for everyone.

Here's what I mean...

Make Sure You Always Get Paid

You won't find the "Next Big Thing" in The 12% Letter.

While most advisory letters are constantly trying to find hot "new" ideas, I've spent the last 12 months making sure the ideas I'm presenting in my research advisory are the very best ones – the investments that have been making investors more money for the majority of the last two centuries than any other investments out there.

Like I said before: Make sure you get paid.

It seems like such a sensible rule – crucial really – and yet, it amazes me how so many investors willingly ignore it... and gladly sink thousands of dollars into regular stocks that pay them absolutely nothing in return.

Just think about that for a minute: The only way you're ever going to make money on most of the stocks you own is if someone decides to pay more for them than you did.

When you buy a typical stock, you have no idea when – or even if – you'll get your money back.

Instead of holding onto regular stocks and waiting for the "big payday" (a day that may never come), I suggest you try a different approach.  Get paid for your investments instead – and start collecting hundreds... even thousands of dollars every month.

If that sounds like a much better idea, then I urge you to try The 12% Letter today.

The total 12% Letter access package includes:

Special Report #1: "The 33 Cents-A-Day Retirement Plan". This rarely advertised investment opportunity allows ordinary Americans like you and me to start out small, with as little as 33 cents a day, and quickly accumulate thousands of dollars in savings.

Special Report #2: The Monthly Dividend Company. Since it went public in 1994 the total return on The Monthly Dividend Company has been a whopping 2,540% (that's 8-times better than the S&P 500). A $10,000 investment would now be worth well over a quarter of a million dollars. 

Plus, every month you'll receive my research advisory, The 12% Letter, delivered on the third Tuesday of each month first by email, then by regular mail too.

And you'll also get a members-only e-mail called THE S&A DIGEST: A daily report that brings you "inside" our world of information, investments, travel, politics, and friendships. And, because it's for subscribers only... from time to time we share a few of our group's very best stock recommendations.

How much does The 12% Letter cost and how can you start taking full advantage of all the opportunities I've outlined?

I can tell you one thing: If you went to an exclusive hedge-fund manager or full service broker, you may get some good advice, but you'll also pay some enormous fees. (S.A.C. Capital for example, run by billionaire trader/manager Steve Cohen, charges their clients a whopping 50% performance fee on their profits – meaning they'll keep 50% of all the money they make you.)

We charge as much as $5,000 a year for some of the services we offer here at Stansberry Research.

I think we could charge just as much for The 12% Letter – and it would still be a bargain. If you sign up for my service today, I'll show you how you could make more than that in a matter of weeks.

But if you sign up through this special offer, you'll save significantly. And, like I said, your subscription is risk-free and satisfaction guaranteed.

Before I give you the details, let me tell you about one more safe way to make extraordinary profits over the next few years... 

Canadian Oil Sands Royalties

If you've been paying attention to the oil business lately, you know that the Canadian oil sands region—a remote area of Alberta, Canada that holds 175 BILLION barrels of oil—is absolutely booming...

Crude oil production is expected to double in the next five years and quadruple by 2025, according to Oil and Gas Investor.

But what you might not know is that there's a reliable way to collect lucrative royalties on Canadian oil sands profits.

You see, while the Canadian government gouges most energy companies on corporate taxes... I found a company that doesn't pay a cent.

In fact, they've never paid corporate taxes on any of the profits earned from their operations in the rich oil sands region of Alberta, Canada.

Instead, this company sends royalty checks to shareholders, 12-times a year. And they do this by using profits most companies have to hand over to the government at tax time.

These are just like dividends, only bigger than your typical payout.

How is this possible?

Thanks to a special tax code the Canadian government wrote back in the 1980s this company NEVER has to pay corporate taxes... as long as it gives the majority of its profits back to its shareholders.

If you look at the Canadian Income Tax Act of 1986, you'll see this agreement is even guaranteed by law.

As an American you can take full advantage, without ever living, working, or investing in Canada. In fact, you never have to leave home.

If you'd put $10,000 into this company in 2000, you'd be sitting on a possible $65,454 today.

If you agree to take a trial subscription to The 12% Letter, I'll send you all the details you need to get started right away – FREE of charge – in my Special Report called, Canadian Oil Sands Royalties.

Here's how to get started today...

Special offer for new
12% Letter subscribers

The 12% Letter costs just $49.50 for a full year of research and reports.

Is it worth paying the equivalent of just $4 a month to learn about the safe and profitable income opportunities you won't hear about any place else? I think so, but here's what a few paid 12% Letter subscribers have to say...

For the introductory price of $49.50 you get access to:

Sign up today and you'll receive instant access (in the next 2-3 hours) to all of these reports on our subscribers-only website.

You will also begin receiving The 12% Letter on the third Tuesday of each month, sent first by e-mail, then by regular mail too. 

The way I look at it, the longer you wait to get in on these investment opportunities, the less money you will have for retirement.

Quite frankly, I believe The 12% Letter and my investment reports will change the way you invest forever. And I hope this will be the beginning of a long relationship. If I help you make a lot of money, you'll most likely keep reading my research. But on the other hand, if you're not completely happy, I'll gladly give you a refund, just for giving my service a try.

To get started, and to get instant access to all of the investment research I described in this letter, Subscribe Now

Sincerely,

Tom Dyson
Editor, 12% Letter
June, 2008

P.S. I meant what I said about being happy with my research – which is why I'm prepared to offer you the best guarantee I can think of. I would like you to have the next 6 months to decide if my research is right for you. In other words, sign up today, and you will have 6 full months to decide whether or not you want to pay for my research. If not, let me know any time during that period, and you'll receive a full refund—no questions asked. If you decide after the first six months that my research isn't right for you, I'll still give you a prorated refund. That's a promise.

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