in this issue… it still can be the best retirement you

1how to get the most from life after 50

By David Ellis, Attorney-at-Law

Everyone is worried what this rocky stock market, shaky economy and painful belt-

tightening will mean for our retire-ment. But do these tough times mean you have to give up your dream of a comfortable, worry-free retirement? Absolutely not!

By making the right moves now, you can ensure your nest egg lasts the rest of your life…tap a hidden fortune by spending smarter (without cutting corners) …and even grow your retirement savings to new heights, in spite of today’s uncertain economy.

How do I know this? Well, extraordinary times like these call for extraordinary measures! That’s why I pulled together some of the world’s best financial minds, including analysts and economists from Morningstar and Standard & Poor’s…CEOs of insurance and investment companies…the country’s lead-ing wealth advisors…and top-

notch tax and estate planning experts.

I was amazed by the wealth of information these experts shared with me. For starters, this one secret can help you rebuild your battered portfolio in plenty of time to still enjoy your dream retire-ment—no matter what your age…

Simple Way to Beat the Market and Rebuild

Your Portfolio FastThink you need to pay fat fees

to financial advisers and fund managers to rack up market-beating returns? Think again.

As you’re about to discover, there’s a better way to beat the market and rebuild your portfolio fast. Some of the world’s most suc-cessful investors—including Warren Buffett—swear by this investing secret. Even better, this simple strategy requires mini-mum time and effort, and can save you a fortune in investment fees.

What is this simple secret?

NEW Special eDiTiONSpriNg 2009 ■ $5.00

in this issue…

■ NEW strategies to rebuild your portfolio in this uncertain economy

■ NEW rules to manage your nest egg so it lasts forever

■ NEW ways to stretch your budget without cutting corners

■ BONUS: NEW age-defying secrets to enjoying a healthy and active retirement

•How to safely grow your money like Warren Buffett. Buffett’s top 3 invest-ment secrets for rock-steady gains in good

times or bad. Page 3, inside.•The amazing food secret

that lowers high blood pres-sure. Cuts your dependence on expensive drugs in as little as 6 weeks! Page 4, inside.•The type of

retirement account you should always tap first. Lets you protect your nest egg and avoid unnecessary taxes. Page 3, inside. •Easy way to look years

younger. Age-erasing cream turns back the clock on sun-damaged skin and cuts your risk of skin cancer. Page 6, inside.•How to kiss outrageous

credit card fees goodbye. One simple phone call and they have to stop gouging you! 0, inside •Better than Viagra? Tasty

summer fruit works just as well, plus revs up your libido—with NO side effects like drugs. Page 2, inside.•How to cut big

medical bills down to size. Most people don’t know to ask for this—but it can save you from double-billing and other costly errors. Page 10, inside.•Ancient Roman mind trick

helps improve memor y. Remember anything you need to know in an instant! Page 4, inside.

(Continued inside…)

It STILL Can Be the Best Retirement You Ever Dreamed Possible…

URGENTHow to find today’s top-paying retirement jobs — P. 7Two foods that can

save your eyesight — P. 6

NEW Special eDiTiONSpriNg 2009 ■ $5.00

Do This and Pocket an Extra $6,000 or More

Each YearSaving on investment fees means

bigger returns for you. Take a look at the typical expense ratio for an index fund: Just 0.5% or less. Compare that to the average 1.4% fee managed funds charge (nearly three times more!)

Then there are the higher trad-ing costs for actively buying and selling stocks—up to 1% of assets—which also get piled onto your tab. Before long, you’re looking at 2.4% or more of your portfolio being eaten away each year by these fat fees.

On the other hand, if you invest your nest egg in index funds, you’re already ahead by nearly 2% a year simply by slashing these fees to the bone. If you’re sitting on a $300,000 portfolio, that can add up to an extra $6,000 a year right off the bat! And in these tough times, the more money you keep in your pocket, the better.

But what happens when you need to start taking that money out? How can you make sure you never run out of dough…and have plenty to live on the rest of your life? The solution is easier than you may think…

Easy Way to Make Sure You NEVER Run Out

of MoneyOnce you retire and your pay-

checks stop coming, the only money you can count on is a monthly Social Security check and (if you’re lucky) a pension from a previous employer. Other than that, you’re banking on stretching out the nest egg you’ve squirreled away in your IRA, 401(k) and other retirement accounts for 30 or more years.

So what’s the ideal amount to safely withdraw each year—in

good times or bad? Most experts recommend the “4% solution” for retirees who need to live off their investments. Here’s how it works.

The first year you withdraw 4% of your retirement account. In each year that follows, you increase that amount by the annual rate of inflation to maintain your standard of living. For example, if you’re sitting on a $300,000 nest egg, the first year you would take out 4%, or $12,000. If the rate of inflation is 3% the following year, you would increase that $12,000 amount by 3% to $12,480, and so on.

Studies show this “4% solution” practically guarantees your retire-ment money lasts for 30 years or more, based on historic returns from stocks and bonds. But is this the best approach to take in a down market?

The top investment and retirement planning experts I spoke with reveal their latest advice in a new Special Report, called Best Wealth Secrets for a Worry-free Retirement. I’ve reserved a FREE copy in your name. There’s no

cost or obligation. It’s my gift to help you make sure your retirement years are everything you’ve worked so hard for.

This FREE Special Report tells you exactly how to tap your retire-ment portfolio in this rollercoaster stock market. You need this infor-mation now more than ever to make sure your nest egg can weather the storms and last a lifetime.

But that’s not all. You also need to know which assets to withdraw to keep your portfolio safe and growing in the years to come.

The Right Way and the Wrong Way to Tap Your

Retirement AssetsIf you’re like many retirees, you

probably have savings in both tax-

Investing in index funds. That’s right, index funds!

Index funds may not get much respect from professional inves-tors, nor are they as exciting or sexy as investing in the hottest trends. But they tend to rack up much bigger returns over time than do managed funds.

That’s due to two reasons. First, you may be surprised to learn even the pros can’t beat the mar-ket year after year. A recent Standard & Poor’s report shows most fund managers underper-formed the S&P’s indices for the past 5 years.

Second, index funds of fer expense ratios that are much lower than those for managed funds, since they simply mirror a particular index. So you keep more of your hard-earned money working for you!

Bottom Line/RETIREMENT publishes the opinions of expert authorities in many fields. But these opinions are no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.

Bottom LineRetirement2

Better than Viagra?

Eating watermelon may be good for your sex life!

That’s because watermelon con-tains phytonutrients that can deliver Viagra-like benefits to your blood vessels and libido.

A recent study out of Texas A&M Universitysuggests lyco-pene, beta-carotene and citroline —all present in watermelon—can help relax blood vessels in the same way Viagra does. What’s more, watermelon actu-ally increases blood flow and helps reduce erectile dysfunc-tion. Bonus benefit: You don’t have to worry about risky drug side effects like headaches, heart attacks and vision changes. •

Yours FREE!

able and non-taxable retirement accounts. But sometimes it’s con-fusing to know which accounts to tap first. Make a mistake and sell the wrong investments from the wrong accounts and you could quickly drain your nest egg or pay unnecessary taxes.

One common mistake is to start withdrawing money from your IRAs, 401(k)s and other non-tax-able retirement accounts as soon as you retire. This may make sense since retirement is what you’ve saved this money for in the first place.

But your financial future could be a lot brighter if you draw on your taxable accounts first—and keep your hands off your non-taxable retirement accounts as long as government rules allow, typically age 70½. Meanwhile, this gives your investments extra time to grow, so you can rebuild your nest egg as the economy recovers.

Tapping your taxable accounts first is just one way to turn your retirement savings into a lifelong money machine. You’ll discover

two other strategies that can help you stretch out your nest egg and take a big bite out of tax bills in your FREE Special Report, Best Wealth Secrets for a Worry-free Retirement. Plus you’ll also discover…•How to protect 50% of your

IRA withdrawal from taxes. New rule the IRS hopes you don’t hear about.•How to enjoy the higher

yields and safety of a CD— without locking up your money. Savvy savings trick lets you get at your money anytime without paying penalties.

•The best way to invest in foreign stocks…plus two common pit fal ls to avoid. Do

this and rack up bigger profits while avoiding hefty taxes.•How to make your IRA gen-

erate millions in tax-free dol-lars for your heirs for decades. The often-overlooked loophole the IRS hopes you NEVER discover!

•Secret to buying the best annuity. Follow this little-known rule and enjoy a richer cash flow. Bonus: As you get older, your pay-out increases.•The one investment you

should NEVER put in your IRA. Avoid this common mistake and you could save thousands of dollars in needless taxes!•Lazy investor’s dream

retirement vehicle. This under-used financial instrument lets you generate a lifelong income stream—without working or investing in stocks. Even better, a big chunk of your earnings are tax-free! •The best time to convert

your regular IRA to a Roth IRA. Do it this way and double the value of your Roth IRA—plus save a fortune in taxes! •Smarter way to buy stocks.

Lowers your costs and protects your investments during a nasty recession. Perfect for investors over age 50.•How to take money out of

your IRA tax-free. This one (Continued on page 4…)

To receive your 3 FREE issues and 3 Special Reports return the order card between pages 14 and 15.

Bottom LineRetirement 3

Warren Buffett’s success on Wall

Street has made him the richest man in the world. No one has a better record of protecting assets and m a k i n g s h r e w d investments in diffi-cult economic times.

Now you can be privy to the same secrets Buf fett uses to build and maintain his immense wealth in bull or bear markets. By following this time-tested advice, you can survive and thrive in spite of whatever the market

or economy throws your way.

SEcRET #1: FocUS oN baRGaiNS.

Buffett is a stickler for only buying qual-ity companies with an ethical, commit-

ted management team. Often he finds these companies in essen-tial but unexciting industries. He then patiently waits to buy them at large discounts — at up to 40% off their value. In a bear market, these types of bargains abound.

SEcRET #2: NEvER SEll iNTo a PaNic.

The recent mar-ket upheaval has made this a tough secret to follow. But Buf fett isn’t wor-ried about the big

picture for America. He believes the economy will do very well and so will people who own a piece of it. A few years from now, we’ll look back and see we could have made some extraordinary buys.

SEcRET #3: DivERSiFyChoose a low-cost index fund,

and put your money into it slowly and steadily over time. That way you don’t buy everything at the wrong price or the wrong time. •

Warren Buffett’s 3 Best Secrets to Rebuilding Your Nest Egg

Bottom LineRetirement

Frankly, I’ve just scratched the surface on the best new ways to rebuild and manage your retire-ment nest egg. I wish I had space to tell you more.

That’s why I want to get your FREE Special Repor t, Best Wealth Secrets for a Worry-free Retirement, into your hands right away. It’s jam-packed with the latest expert advice to make sure you never run out of money and live comfortably the rest of your life.

I’d also like to send you a com-plimentary 3-month subscription to Bottom Line/RETIREMENT—the world’s only publication that brings you unbiased, knowledge-able advice from an impressive range of highly qualified experts in one convenient source.

But that’s not all. Not only do I want to show you how to enjoy a more financially comfor table retirement, I want to help you live a healthier, more active one, too.

That’s why here at Bottom Line/ RETIREMENT, we spent months interviewing the world’s top doc-tors, scientists and researchers from renowned medical schools and respected hospitals and clin-ics. We also consulted top experts in nutrition, psychology, exercise and fitness, vitamins and many other fields.

The result is a new break-through Special Report, called Best Health Secrets for an Active Retirement, which I want to send you abso lute ly FREE. Here’s just a glimpse of what you’ll discover…

The Amazing Food Secret that Lowers

High Blood Pressure Believe it or not, 1-in-3 Americans

suffer from high blood pressure, and only half are getting treat-

simple strategy could keep as much as 35% of your nest egg out of the tax man’s hands.•Best bonds for uncertain

times. Same yield as long-term bonds, but with less risk. •How to boost your invest-

ment returns by 3.5% almost instantly. Simply ask your broker to make this one change to your account.

•Why you should never name a spouse as your execu-tor. Plus four better ways to safe-guard your wishes and eliminate family stress.•Better alternatives to bank

CDs for greater safety and income. These three often- over-looked investment vehicles can keep you rolling in cash, worry-free.•And much, much more.

4

Yours FREE!

Foolproof Trick to Remembering Almost Anythingif you’ve ever walked

into a room and promptly forgot why you did…forgot some-one’s name almost right after hearing it…or couldn’t remember where you parked your car or what you meant to get at the store, don’t worry. These memory lapses are fairly common as we age. But it doesn’t mean they’re not frustrating or embarrassing!

Now there’s a simple way to remember almost anything. An ancient memory technique called the “Roman Room Method” can significantly boost your memory power. Orators back in Ancient Rome remembered lengthy speeches using this secret. Here’s how it works...

Visualize yourself walking a familiar route, such as the rooms in your house. Mentally place images to be remembered on specific points on the route. For example, if you want to remem-ber to buy coffee, mentally place coffee beans on your kitchen counter. Then later at the gro-cery store, when you’re trying to remember what you ran in for, you simply retrace your steps.

Over time, you can add more objects in your rooms. If you

want to remember to pick up the newspaper, add it next to the coffee beans. If you want to remember your airline tickets, tape them to the refrigerator door. You can add more rooms and other familiar loca-tions to help you with

certain kinds of memory tasks. You’ll find other brain-boosting

techniques in your FREE Special Report, Best Health Secrets for an Active Retirement, including: •Why saying this one word

improves your memor y. Strange but true.•Simple technique makes

relying on lists almost obso-lete. Three-step mind-linking technique puts data magically at your fingertips. Use it to remem-ber grocery lists, honey-do’s, errands, names and more.•How ha i r br ushing

improves memory. But only if you brush your hair this way.

To kick your memory into high gear and banish brain fog forever, send for your FREE copy of Best Health Secrets for an Active Retirement. Simply return the Free Gift Card between pages 14 and 15 of this issue. •

MEMORY BOOSTER


ment. Left untreated, high blood pressure dramatically raises your risk for hear t attack, stroke, dementia, and heart or kidney fail-ure.

Doctors usually treat high blood pressure with prescription drugs. But these drugs are notorious for causing dangerous side effects such as dizziness, insomnia, depression, impotence and leg cramps, just to name a few. What’s more, these drugs can cost $800 or more a year. It’s no wonder an estimated 80% of people over 65 with hypertension don’t take med-ications as prescribed!

Know Your NumbersOptimal blood pressure:

Below 120/80 Pre-hypertension:

120/80 to 139/89Stage 1 hypertension: 140/90 to 159/99Stage 2 hypertension:

160/100

If you’re worried about high blood pressure or want to avoid the high costs and side effects of drugs, you’ll be happy to know there are safe, natural alternatives that can drop your blood pressure to normal and keep it there.

For example, you may be sur-prised to discover that something as simple as eating more protein can lower your blood pressure. This may be because protein con-tains compounds that prevent the production of a chemical known to constrict blood vessels. Research shows you can see results in as little as 6 weeks!

Many people don’t eat the ideal amount of protein each day. And much of the protein we eat isn’t high-quality protein. For example, red meat and eggs also contain high levels of cholesterol or fat.

One of the best ways to add high-quality protein to your diet is

to help. Ask your regular carpenter, plumber or electrician if they know of a trustworthy person to help with minor repairs.

SmaRT movE #4: FiND cHEaP, REliablE

TRaNSPoRTaTioNW h e n

you’re not able to drive a n y m o r e , good local

transportation can be a godsend for helping you maintain your independence. While public transportation is scarce outside major cities, many communities offer free or reduced-fare vans and buses for seniors. Some ser-vices pick up groups of people to visit a shopping center. Others provide door-to-door service for appointments and errands.

SmaRT movE #5: STay acTivE aND coNNEcTED

Exercise is a critical par t of being able to s t ay in your home. Studies show that walk-ing thr ee or

more times a week and exercis-ing with light weights are key to remaining mobile. Social activ-ity and connection to commu-nity are also important factors to staying in your own home.

You’ll find a complete list of high-quality resources for each of these “smart moves” so you can stay in your home forever in your FREE Special Report, Magnificent Money Savers for Folks Over 50. Simply mail the Free Gift Card between pages 14 and 15 right now!

How to Stay in Your Home Forever(…Continued from back cover)


5

to eat whey protein. Whey is a milk protein that you can often find in drink powders and shake mixes, in flavors such as vanilla and chocolate. It’s available at gro-cery and health food stores.

Eating more high-quality pro-tein isn’t the only thing you can do to lower your blood pressure nat-urally. In your FREE Special Report, Best Health Secrets for an Active Retirement, you’ll also discover a nutrient that can slice up to 17 points off your blood pressure with NO side effects! All the details are in your FREE Special Report.

Now here’s another way to solve a common health complaint—without resorting to dangerous and costly medications…

Cure Headaches and Muscle Aches— with Peppermint?!

When your head hurts and your muscles ache, you want to feel better, fast. Often this means reaching

for an over-the-counter or prescrip-tion pain reliever. But there are natural pain stoppers that offer the same relief—without unwanted side effects like upset stomach, ulcers or even liver damage.

For starters, next time you get a headache, try this natural alter-native to aspirin and ibuprofen: Peppermint. Simply drink a cup of peppermint tea, or place a dab of peppermint oil on your temples. It makes a mild headache vanish almost instantly.

Acupressure is also effective for relieving mild tension headaches, backaches and muscle cramps. This ancient Chinese technique uses gentle pressure and light massage on specific pressure points to make pain disappear.

SPECIAL REPORT

(Continued on page 6…)

study found two little-known foods that can have a much greater impact in warding off macular degeneration, the leading cause of blindness in people over age 65.

Harvard researchers studied more than 70,000 men and women, and found that eating fish cuts your risk for this degenerative eye disease—especially tuna fish.

In fact, people who eat canned tuna more than once a week are 40% less likely

to go blind than those who eat tuna less than once a month. Note: As long as you don’t eat more than 12 ounces of canned tuna a week, you don’t have to worry about mercury.

If you (or a loved one) already suffer from macular degeneration, another common food can help save your pre-cious eyesight: Nuts! Research shows eating just one handful per day of any type of nut slows the progression of macular degeneration by as much as 40%.

You’ll discover even more secrets to living a healthy, active life for decades to come in your FREE Special Repor t, Best Health Secrets for an Active Retirement. For example…•Cut your risk of falling by

47%. Simply do more of this everyday activity (no, it’s not exercise!) Proven in study.•Free cure for heel pain.

Two easy home remedies you can do anywhere that really work. •The hidden danger lurking

on your prescription label. Could cost you an extra $2,000 in doctor visits and seriously harm your health. What you need to ask your doctor or pharmacist. •The popular prostate cancer

therapy that raises your risk of heart attack or stroke. Recent Mayo Clinic study shows 42% of men receiving this therapy experi-ence systolic blood pressure surges of 30 points or more.•Natural, at-home treatment

for shoulder pain. Studies show HALF of people age 60 and over suffer from this common “sports” injury—even if they don’t play any sports. Here’s how to heal yourself at home…no drugs or surgery required!•Safe, natural alternative to

anti-inflammatory drugs. Some arthritis sufferers cut their depen-dence on drugs by 30% with this common nutrient. Proven in study.•Free remedy for allergy suf-

ferers. No drugs needed and NO side effects. Takes 5 seconds and you can do it anywhere.•Hidden dangers of energy-

saving light bulbs. If you’re prone to these two health condi-tions, you’ll want to consult your doctor before installing them.•The natural nutrient “cock-

tail” that erases arthritis symp-toms. Rebuilds cartilage, ban-ishes inflammation and reduces pain. Works better than drugs!•How to slash your odds of

breast cancer by HALF. These two often overlooked treatments can shield you from breast cancer for 10 or more years. Bonus: Also cuts your risk of osteoporosis.•The safe, non-toxic way to

increase alertness, reduce stress, improve memory and boost your brainpower. Costs nothing and works wonders! •How to get rid of agonizing

heartburn for good. No pills or tablets required! Provides long-term relief. •The one ingredient that

should NOT be in your multi-vitamin. You could be at risk for

(…Continued from 1st col. page 5)


Easy Way to Erase years of Sun Damage

from your Face

Wrinkles. Age spots. Desert

dr y skin. Sadly, this can be the end result of the beau-tiful summer tans you once enjoyed. But there is an

effective solution for repairing skin damaged by long-term sun exposure. Even better, it can make you look years younger!

This age-erasing breakthrough is a cream or gel called topical retinoids, made from vitamin A. This latest generation of topical retinoids lightens freckles and spots and improves your skin’s appearance. They also increase collagen production to help make small wrinkles disappear.

Retinoids also improve the qual-ity of your skin and decrease the number of abnormal skin cells, which can help ward off skin can-cer. You can only get these creams by prescription, so ask your doc-tor. They’re safe for everyone (except pregnant women), with few, if any, side effects. •

To find out about the three best acupressure points to relieve a headache…as well as the best natural supplement to relieve and prevent migraines, send for your FREE Special Repor t, Best Health Secrets for an Active Retirement.

Two Little-Known Foods That Can Save Your

EyesightYou’ve always heard that eating

carrots can protect your eyes. While it’s true carrots contain beta carotene—an important nutrient for eye health—a recent Harvard


Bottom LineRetirementTo receive your 3 FREE issues and 3 Special Reports

return the order card between pages 14 and 15.7

look around your local bank, bookshop, drugstore and

doctor’s office and you’ll see many more 50-plus workers. That’s because companies are finally recognizing that older job candidates are often more reli-able, experienced and bring with them a strong work ethic.

That’s why if you’ve ever thought about going back to work in retirement, there’s never been a better time. Some of the more attractive jobs pay as much as $70 an hour and offer excel-lent health benefits and flexible schedules. That means you can pick up extra income, and still have time for travel, hobbies and grandchildren.

Here are some of the fastest growing industries where companies are seeking older workers:

HEalTHcaRE:With an aging

population, a huge demand is g r o w i n g f o r healthcare work-ers in hospitals, clinics, doctor’s

offices, laboratories and patients’ homes. Many jobs don’t require special training, certification or hands-on patient care. Clerical workers can earn up to $15 an hour. Demand is strong for home health-care and personal aides and can pay $11 to $15 an hour.

STaFFiNG comPaNiES:Temp agen-

c i e s o f f e r some of the highest pay-ing profes -

sional and managerial work available. Workers with experi-ence can expect $30 to $70 an hour for project work in accounting, engineering, human resources, law, infor-mation technology and project management. Clerical and administrative jobs typically pay $9 to $16 an hour.

accoUNTiNG aND Tax PREPaRaTioN

Trained accoun-tants with a bache-lor’s degree in busi-ness can earn $25 to $40 an hour doing

accounting work during tax season. If you don’t have a degree but are good with num-bers, big firms like H&R Block provide training and pay $15 to $30 an hour. You’ll stay busy from December to April, stash away some cash and enjoy the rest of the year off.

FiNaNcial SERvicESBig inves t -

ment firms like F i d e l i t y a n d Vanguard have learned custom-ers don’t want a “20-something”

kid telling them how to handle their money. More mature workers can make $12 to $18 an hour at an entry-level cus-tomer service position. Older bank tellers are in demand, too, at $10 to $15 an hour.

You’ll find out about two more top retirement jobs plus more secrets to prospering in retirement in your FREE Special Report, Best Wealth Secrets for a Worry-free Retirement. Mail the Free Gift Card between pages 14 and 15 to get yours now! •

How to Find Today’s Top-Paying Retirement JobsEarn up to $70 an hour…

your lifestyle. You’ll find them all in your third FREE Special R e p o r t c a l l e d M a g n i f i c e n t Money Savers for Folks over 50.

In today’s tough times, you need these money-saving tips

more than ever! New research shows older Americans have lost a shocking 40% of their buying

pages 14 and 15. I’ll rush you your free copies of Best Health Secrets for an Active Retirement and Best Wealth Secrets for a Worry-free Retirement, plus the next 3 issues of Bottom Line/RETIREMENT as my gift to you.

But that’s not all I want to send you. Our panel of experts has also pulled together dozens of savvy ways you can save money without skimping on comfort or changing

this dangerous disease, which increases as you age.•Shocking news: Previously

“forbidden” drink hailed as new health drink! Reduces risk of cardiovascular diseases, liver cancer, colon cancer, Parkinson’s disease, gallstones and more. Bonus: Drink as much as you like without worry! •And much, much more.To get your FREE copy of this

eye-opening Special Report, simply mail the Free Gift Card between

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SENiOR EMPLOYMENT OPPORTuNiTiES

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www.bottomlinesecrets.com/retirementBottom LineRetirement8

Yours FREE: Get ALL These Secrets to a Richer, Healthier, and MUCH Happier Retirement!

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drug prescription errors each year. These 5 simple self-defense measures could save your life!•Why you could be entitled

to more money in Social Security benefits. You’ll only know if you do this. Make sure you’re not missing out!•Simple way to cut your elec-

tricity bill by more than HALF. Reduces electricity used by most appliances by up to 75%. Bonus: Lowers risk of home fires, too.•Overweight? Relax. Dozens

of new studies say you’ll live as long as people of normal weights. But only if you do this.

•3 new glau-coma-screening tools you’re not hearing about. Half of people

with glaucoma don’t know they have it. Yet early detection can save your eyesight! Ask your doc-tor about these new screening breakthroughs. •Can’t sleep? Don’t count

sheep. Count this instead. You’ll sleep better and longer!•Clever way to avoid paying

nursing home costs out of your own pocket. Ensures you hang on to half of your money no matter how high your costs run. 100% legal!

•How to safeguard up to $500,000 of your life savings from a bank failure. Make sure your brokerage firm carries this type of insurance. Not all do!•What NEVER to reveal to

a debt collector. One slip of the tongue and they can harass you for years…even if the debt is legally uncollectible!

•How to lower your blood pres-sure—and cut your r i sk o f Alzheimer’s by 40%! New Boston University School

of Medicine study of 5 million people shows this blood pressure medication also protects your brain. (If you’re not on it, ask your doctor if you can switch!)•How to burn more calories

with no extra effort. Just make this one simple change to your exercise routine. Bonus: Also eases stress on your joints.•A 30% tax credit that also

lowers your utility costs? It’s true! Jump on this unexpected gift from Uncle Sam before it expires.•How to protect yourself

from drug dispensing mis-takes. More than 1.5 million patients are harmed or killed by

•New warning: Popular drink raises LDL “bad” cho-lesterol. But you don’t have to give up the taste you love. Simply switch to drinking it this way.

•Need fast cash? 3 closely g u a r d e d secrets that get you top dollar for your unused jewelry. •What’s in

your health emergency kit? Seven must-have items that could save your life and give your family peace of mind.•To avoid interest charges,

just pay the full amount due on your credit card ever y month, right? Wrong. Sneaky accounting rule keeps interest piling up and triggers late fees too! Who you need to call to avoid this trap.•The common supplement

you should NEVER take with certain antibiotics. Blocks drug absorption, rendering the antibi-otic useless.•How to minimize the #1

side effect of NSAIDs with a common item found in your medicine cabinet. Helps you relieve pain fast without suffering stomach upset later.


•When emergency mouth-to-mouth breathing doesn’t work. Here’s what to do instead. Vital information to save a life. •Simple online search trick

saves you money on anything you want to buy. Just add this one word to your search.•New breakthrough makes

invasive colonoscopy obsolete. New noninvasive method found to be just as effective at detecting colon cancer. Endorsed by the American Cancer Society.

•How to get an instant 10% –15% discount on all Amtrak fares. Plus get 10% of f Greyhound bus service and 15% off GEICO insurance.

Simply say these magic words.•The right way and the wrong

way to amend a tax return. Plus 3 totally hushed-up secrets to get-ting a bigger refund.•What you should ALWAYS

ask your doctor or nurse to do before treating you at a hospi-tal. This one simple request could save your life!•How to avoid paying steep

credit card fees on foreign purchases while traveling. Visa, MasterCard and banks are in cahoots to charge you an extra 3% on every foreign purchase. Switch to this card and pay ZERO percent!•New 3-step diet reverses

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cal problems can quickly turn into major financial problems. But there are many ways you can cut big medical bills down to size.

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Credit card fees continue to climb at an appalling rate. Balance transfer fees have tripled in the past 12 months and late payment fees have tripled in the past 10 years. What’s more, credit card

(…Continued from page 6)

Do you love good food? Are you looking for an exciting

new travel experience that’s also surprisingly affordable? Consider becoming a “culinary tourist.”

You can plan your travels around dining—and to be tasty and satisfying, the dining doesn’t have to be gourmet. Some of the best culinary travel experiences can be easy on your budget—or even free! Let’s get started…

Grab your car keys and follow a specially marked map that shows off the most popular food and drink destinations in a par-ticular region. In many cases, you can take a free tour and get free samples—all while expanding your culinary horizons. Three road trips to consider…■ Vermont Cheese Trail. Sample three dozen individual

cheese makers located in the most beautiful part of the Green

Mountain State. These cheese ar t isans are happy to dem-onstrate how they make their unique delica-cies. As you

taste their cheeses, you’ll get an up-close view of farm life and the cows, sheep, goats and some-times, water buffalo that produce the milk to make the cheese.

Contact info: 1-866-261-8595, www.vtcheese.com. ■ Kentucky Bourbon Trail.

Spend a day driving through the rolling blue-grass hills of c e n t r a l

Kentucky. Along the way, stop and enjoy free guided tours of the distilleries where six well-

known brands of bourbon (“America’s only native spirit”) are produced. The process hasn’t changed in 200 years! Remember, if you plan to taste as you go, please appoint a des-ignated driver.

Contact info: 1-859-336-9612, www.kybourbontrail.com.■ Historic Barbecue Trail.

N o r t h Carolina is hog heaven for barbecue fans. Travel to carefully

selected barbecue pits and pig out on ribs and other specialties. These finger-licking treats are made the old-time traditional way with wood or charcoal and served with secret home-made sauce. You’ll fill up with good “eats” at a price that won’t break the bank!

Contact info: 1-336-765-6227, www.ncbbqsociety.com. •


3 Great Culinary Road Trips

Best Used Cars for Older DriversSave thousands…and find the safest, smoothest, easiest car to drive

it’s no secret t h a t y o u

c a n s a v e thousands of do l lars by buying a used car. New cars

depreciate as much as 20% in their first year alone. While sav-ing money is important, older drivers often care more about the practical issues of driving.

You want to know your car is safe, easy to drive and park. A smooth ride, comfortable seats and good gas mileage are impor-tant factors too. Plus, it would be nice if the car was easy to get in and out of.

Here are some great used car choices at af fordable prices. Since used car prices can vary significantly due to condition and mileage, it’s helpful to check specific details in a used-car pric-ing guide such as the Kelley Blue Book for current pricing.

Compact: Toyota Corolla (2002–2007)

T h e Corolla is actually f a i r l y large for

a compact with good, head, leg and shoulder room for both front- and rear-seat occupants. Also, it doesn’t have a steeply angled windshield/roof (as on some other compacts) that can make it hard for people with lim-ited mobility to get in and out of. It has performed very well in government crash testing. Later models sport such safety fea-tures as antilock brakes, dual front air bags—and even side impact bags.

Midsize: Buick LaCrosse (2005–2007)

T h e L a C r o s s e offers you a plush and quiet ride,

roomy interior and upscale styl-ing. The car can seat as many as six passengers comfortably (depending on whether it has bench or bucket seats). It comes standard with a smooth and pow-erful V-6. Prices for slightly used models (only a year or two old) are extremely reasonable.

Large: Mercury Grand Marquis

The Grand Marquis is the last of the traditionally built full-size American roomy sedans. It has a cavernous interior that can sit six comfortably with a huge (21-cubic foot) trunk. Its 4.6 liter V-8 engine provides easy power without hav-ing to mash the gas pedal. The car is simple and rugged and pro-vides a long service life and low-cost maintenance. It’s exception-ally safe in a crash due to its large size. It scores as high as a Mercedes-Benz E-Class or BMW 5 series in crash tests, but costs tens of thousands of dollars less.

To discover more great used cars to meet your lifestyle and budget…plus more simple ways to save money, turn to your F R E E S p e c i a l R e p o r t , Magnificent Money Savers for Folks over 50. Simply mail the Free Gift Card between pages 14 and 15 today! •



How to Scam-Proof Your Computer Password

Today, scam-mers use

sophisticated software to decipher common computer passwords. For example, if your password is a date, name, word or a repeating or progressive series of letters or numbers such as “zzzz” or “2468”, a high-tech criminal could quickly crack it.

The safest way to protect yourself is to use a multiple-word phrase that’s memorable to you, such as “my2dogsareyel-low” or “Ilikeham.” Two other helpful ways to scam-proof your password: Use different pass-words for each account and NEVER write them down near your computer. •


companies have come up with doz-ens of clever ways to trap you with outrageous credit card fees. But you can fight back.

For example, let’s say you use your credit card more than usual during a particular month (most credit cards no longer decline pur-chases that exceed the credit limit). No merchant declines it, so you assume you’re under your credit limit.

Instead, they allow the transac-tion, charge you an over-the-limit fee of up to $39 and increase your interest rate to a “default rate” as high as 30%. To prevent this from happening, call your credit card and request that any charges above your credit limit be declined.

That’s just one sneaky practice credit card companies don’t want you to know about. You’ll discover five more credit card fee traps to

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Plus thousands more readers are living the best retirement of their dreams thanks to Bottom Line/RETIREMENT!

What Readers Are Saying About Bottom Line/RETIREMENT




•Where to find the best deal on a car rental. Best-kept secret in the industry. Could save you a bundle on your next trip! •Four common mistakes

that lower your Social Security benefits. Most people never catch them! Here’s what they are and how to correct them. •Newly retired? Save 5% to

15% on car insurance rates. Ask your insurance company to make this one small adjustment to your policy and you’ll automat-ically pay less. •How to legally pay ZERO

taxes — even if you have more than $25,000 in capital gains and dividend income. The hid-den tax loophole the IRS hopes you NEVER find out about. Perfect for retirees. •What NEVER to tell your

insurance agent. Could get you enrolled in a health plan you don’t need—and end up losing your doctor! •Easiest way to get the most

cash for your gently used books. No reason to cart your books around town. Just ship them to this reputable company (they pay the postage) and you’ll be rolling in dough in no time!•Brand-new $1,000 income

tax deduction. You can deduct this surprising gift from Uncle Sam—even if you don’t itemize! 100% legal. •How to save $100 on your

phone bill. Just break this long-time habit with your phone com-pany.•Hidden account fees your

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Totally Painless Ways to Shrink Your

Energy Bills You’d be amazed

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savings each year! For example, you can slash up

to 9% off your total water heating costs just by wrapping your water heater in an insulated blan-ket. You can do this with any water heater that doesn’t carry a label specifically warning against this. You can find do-it-yourself wrap kits in most hard-ware stores for less than $25.

Here’s another painless way to shrink your energy bills. Switch from incandescent light bulbs, the standard bulb still used in most homes, to compact fluorescents, which can last up to 10 times longer. Compact fluorescents also consume one-quarter to one-third as much electricity, saving you as much as $150 a year! Just make sure you avoid the common pitfall explained in your FREE Special Report, Magnificent Money Savers for Folks Over 50.

Plus you’ll discover more secrets like these that will put extra cash back in your pocket… •How to cut your Medicare

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only if you pass this one easy-to-meet condition.•How to collect up to $800

when your plane takes of f without you. Piece of cake when you know this secret!•Don’t insure this common

part of your home. Most folks do and pay needless premiums. Plus 4 more little-known tricks to lower your home insurance premiums by 20% or more.•Four clever ways to avoid

paying sales loads on mutual funds. Most fund companies offer these discounts to brokers. But brokers don’t always pass them on to you. How to make sure your broker does.•How to keep your house if

you need nursing home care. Overlooked Medicaid loophole government bureaucrats hope you never hear about!•And much, much more!Now that you’ve had a glimpse

of the powerful retirement secrets you’ll discover in your 3 FREE Special Reports, I’d like to get them into your hands right away.

So please detach the Free Gift Card at right and mail it in the enclosed postage-paid envelope. When you do, I’ll rush you all of the following…✓ Best Wealth Secrets for a

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(…Continued from page 11)


Sincerely yours,

David Ellis, EditorBottom Line/RETIREMENTP.S. 2 MORE FREE BONUS

GIFTS: Respond in the next 10 days and I’ll send you two more Special Reports. The first is called How to Outsmart Scammers, Schemers and

Rip-Off Artists and it can help protect you, your money and your identity. The second free report is called Living on Easy Street. It’s jam-packed with the best tips to live life to the hilt without extra costs or hassles. See details on the next page.

14Bottom Line

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it’s no secret most weight-loss diets are

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As you probably know, diets often leave you feeling hungry most of the time, making it hard to stay on a diet for very long. It’s no wonder that 95% of people who do manage to lose weight are unable to keep it off for longer than a year or two!

But here’s a better and simpler solution to weight loss than a fad diet. The secret is to eat foods that curb your appetite and help you feel full.

For example, a small handful of pine nuts can make you feel full. That’s because pine nuts stimulate the body to release a hormone called cholecystokinin, or CCK. This hormone helps you feel fuller, even when you’re eating fewer calories.

Another way to feel full is to eat a little fat with every meal. Until recently, fat was consid-ered a “no-no” since it contains a higher number of calories. But since fat is more satisfying, it makes you crave less food—so you end up eating fewer calories

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Fantastic Food Tricks to Drop unwanted Pounds…Forever!

EASY WEiGHT-LOSS

Retirees are often a favorite target for scam artists and

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But you don’t have to be one of them. Thanks to the scams we expose in this FREE report, you can easily protect your fam-ily, your money and your iden-tity from these ruthless swin-dlers. Here’s just a sampling of what you’ll discover… •New scam tar geting

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use to rack up big phone bills and stick YOU with the tab. It sounds totally legit but isn’t. Here’s how not to be fooled. •Easy way to safeguard

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•The 9 best towns to retire to if you love art & culture. Enjoy a rich cultural environment and keep your mind youthful.•How to fly for

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buy travel insur-ance? Two types to consider. Plus a free, handy website that helps you find the

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•Cheap alternative to high rental car fees. Little-known nationwide rental agency offers cars for as little as $10/hour and also pays for gas! Perfect for short-term day visits.•How to save up to 60%

on lodgings anywhere in the world. Bonus: Accommodations are larger than your average hotel room.•And much, much more!

Why You Should Never Sign the Back of Your Credit Card

Someone who steals your

credit card can use it by simply

copying your signature. To pre-vent this, don’t sign the back of your credit card. Instead, write “ask for photo ID.” Be sure to carry a photo ID to prove your identity when you use your credit card.

Bottom LineRetirement 15

FREE when you reply in the next 10 days

RETKBD

56

SPECiAL REPORTC C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C

&How to Stay in

Your Home Forever

Smart renovations, good in-home help, safe transportation. Plus the resources

you need to make it happen.

C C C C C C C C C C C C

56 &C C C C C C C C C C C C C C C C C C C C C C C

There’s an old joke that says, “Be kind to your children. They choose

your nursing home.” But there’s nothing funny about nursing homes — or ending up in one.

The good news is, moving to a nursing home doesn’t have to be your fate. As you grow older, you can stay in your home safely, comfortably, cost-ef fectively — and indefinitely. All it takes is some smart planning. Here are five smart moves you can make now to help you stay in your home forever.

SmaRT movE #1: SmaRTEN UP yoUR HoUSE

M i n o r renovations, s u c h a s increased l i g h t i n g ,

extra handrails and getting rid of scatter rugs, electrical cords and other trip hazards can keep you safe at home. Consider adding

a first-floor master bedroom and bath. Another renovation to consider would be to widen doorways in case one day you’re in a wheelchair. Other safety renovations include a more accessible kitchen and entry-ways. To help you plan effec-tively, look for general con- tractors with expertise in home modifications for retirees.

SmaRT movE #2: GET GooD iN-HomE HElP

Housekeeping, cooking, laun-dr y, personal errands, even walking the dog

can become more than pesky, time-consuming tasks later in life. They can become impossible chores. Reputable home-care companies can provide reliable part-time housekeepers and home health aides. Look for a company that is licensed, bonded and insured, and does back-ground checks on employees. Specialists in eldercare issues can also arrange in-home care.

SmaRT movE #3: DoN’T Do iT yoURSElF

At some point, minor house-hold repairs , such as fixing a leaky sink or climbing a ladder

to clear gutters, may become dif ficult, even dangerous. Be smart. Know when it’s best to get a friend or family member

P.O. Box 51314Boulder, CO 80321-1314

PRESORTEDSTANDARD

U.S. POSTAGE PAIDBOARDROOM INC


■ “Forbidden” foods that peel off the pounds. Enjoy these high-calorie treats and lose weight faster! Page 14, inside.

■ Totally painless ways to shrink your energy bills. Two easy changes that can

put an extra $150 or more back in your pocket. Page 13, inside■ How to make your nest egg

last the rest of your life. Simple strategy practically guarantees 30 years or more of cushy income. Page 3, inside■ Slash your risk of macular

degeneration by 40%. Just one daily serving of this yummy snack food does the trick! Page 6, inside■ What’s better than a

Mercedes or BMW? Roomy, safe and stylish but costs thousands less. Plus the best used cars for older drivers. Page 11, inside

in this issue

(Continued on page 5 inside…)

in this issue… it still can be the best retirement you

Documents