/ Wealthier by $21,7 43 this year! Page 4

/ and immune to colds and other infectious diseases in 10 seconds! Page 12

/ Smarter, with savings of SO'Y<> on all your grocery bills! Page 5 .. / " JJ with a power-ful secret that lowers your blood pressure/ too! Page 16

/ Safer, and secure from muggers, burglars and accidents! Get all the life­saving details. Page 13

/ Better looking than all those friends who've had plastic surgery! Page 9

/ 300% stronger for the rest of your longer life. Yes, you can do it! Page 9

·~

In. TJ]is Special Report: No ntatter how much you didn't save ... No ntatter ltow much your nest egg shrank . .. No tnatt ,,. how lousy you're feeling right now .. .

Tear up the score! It's the second half! Your life is now a ...

0 CHOP JOI8' bills in haH with secret government giveaways ................... page 4

0 CONNECT loved ones who need help with FREE support networks ...... pageS

0 GROW a shrunken net egg into a 2.2 billion family fortune ........... page 6

0 DON'T pay taxes on $250,00 or more of your income ....................... page 7

D REPAIR creaky knees without steroids or surgery. ....................... page 8

u HALT heart disease by not saying 3 words .... page 9

0 BANISH back pain forever by retraining your nen es ................ page 9

For the first time ever ... T

h r ' one definitive book whcr ' ou can go for all th an wers to every

irnportant qu tion confronting you in th " otH.l half of your life. ll's til v ry first book to bring togc til r the I at t and greate')l st 1 t frmn tnore than 256 world-atclairned expert on

life after 50. On the following page , please feel free to san1 pie and try some of these secret ...

.. . then claim your 30-day FREE LOOK at the BIG book ... and we'll even send you 3 FREE GIFTS! (Just mail the card facing page 19 for your FREEBIES!)

L" SQUEEZE more money from Social Security ........ ................................... page 11

0 GET FREE prescription drugs and I'RI l cu tting-dge treatments ........ page 11

0 PAY hundreds less for your insurance premiums...... . . ....... page II

0 CANCEL your cancer genes with amazing rww breakthrough ............. page 12

u OUTWIT senility with a blcxx.l pre sure test.. .... page n C PLAY the IRA game and double your investment returns tlt no risk ...... pagc 14

[' GRAB FREE goodies just b cause vou're over SO ...... .............. : ..................... pagL' 15

Now, in just one easy step, you can make yourself healthier, wealthier, safer,

stronger and happier than you ever dreamed!

How? Just say "YES" .. . then sit back and let all the world's greatest experts transform your retirement for 30 days FREE!

My Dear 50+ Friend:

A fter all those years of paying taxes ... keeping your no e to the grindstone ... and doing all the worrying o your

loved ones won't have to ...

IT'S PAYOFF nME! Il1e ycall ahead should be the best of your

life. You've earned tt! So please watch your step now .. .

DON'T LET THEM TAKE IT AWAY!

It' just like the second half of a ball game. The stakes arc higher now! If you're behind, you can make it all up ... but too man) people lose all they worked for.

II OW? In every case I've seen, it had nothing to do with the money the) made, and everything to do with the advice the) took No wonder' 'I here\ c;o much advice being offered tod.ly how can anyone sort it all out?

So 10 years ago, I vowed to make a HUGE difference for Americans over 50 •••

I created a special editorial team of my top people here at Bottom Line Book . And

www.BottomlineSecrets.com/bestyears

the} devoted their careers to an enormously important mission:

1. To find and interview all the world's greatest experts on life after SO ...

2. To verify all their greatest ecrets of health, wealth and happiness ...

3. To collect all these secrets in one very practical, easy-to-read-and-u e volume ...

And now, at last, our work is complete! The re ult is the most comprehen ive and definitive book of it kind ever publi hed. Distilling the wisdom of more than 256 acclaimed insiders ..

You're invited to be among the very first to plunder all 3,498 of these secrets to securing your future ...

ABSOLUTELY FREE! What you do in the da} ahead is o

cntCJal, I don't want money to stand in your way.

o just sa} YES, and you' ll have the world's best answer to every conceivable retirement question, I· REt! just tear out the FREF GIFT CERTIFICA1T oppostte page 19 of this pedal Report. Drop it in the mail and

I'll rush you this big, hardcover, 344-page book to preview FREE, with no obligation.

Plea e send no money. just promise me that you'll use this amazing book to turn your "second half" into THE BEST YEARS OF YCMa UFE. Profit from it for 30 days totally FREE.

There are no string attached and I'll even give you 3 l·REE GIFI a a "thank-you"!

But please hurry. Becau e, as you'll see on the following pages, no matter how far behind you think you may be, it' not too late if you act now ...

Continued 011 page 4 ...

3

4

and find $21,743 in extra retirement money

N o matter how little you've saved, you're going to start catching up right here and now. While others preach

about how much you need, we'll show you where to get it. Up to $21,743 this year!

It'll be easy, be ause this money is actually lying in piles all over your home, all around your neighborhood and wherever you travel. Let's start where you're sitting right now and .. .

CHOP YOUR HOME BILLS IN HALF with free

government bucks! These little perks were set up for retirees a while

bad., yet urpri ·ingly few have actually claimed them - because they're never advertised! But one of our Flder '"'"' experts has made it her bu ine s to dig up the details. Turn to page 79 in your FREE-Preview book and let her how you how to get:

How much will you pay thi year for heating, au-conditioning, hot water and the re t? Hundred ? Maybe more like thou and ? Get it back, then a k for your .. .

D FREE money to pay half your property tax. These day , even a quarter-acr lot can b taxed 5,000 or more annually, but you could be paying $2,500 le s or else getting a ...

0 FREE rent rebate if you're not a homeowner, plus ...

E VFRYO~I liAS A FA VORl I'E 'I RICK for getting a better deal, but auto dealers arc con tantly devising new

ways to get around them! I hat's why your I·REE-Pre\'iew book hands you a new bag of tricks they won't be ready for, including:

model and options. You'll find out the actu.tl dealer cost...rebatcs and incentive pl.tm ... thc retail price they'd like to charge you .. .. md the average price dealer'> arc actually getting from customers. ow you know ever} thing the

that J'Ollr dealer Jvon't he ready for

• - u.. lho opnono "' • ..,., IUihoribcs '" many llullhe - al lhno opnono • no ..-m.t lot logol. ~ rne<locll end Olhef proleMo>nal _....,., IO a t yow apae po nat noeds Atwap consU.t o competcm profeoaoonol ""--to your patloo quoatKn.

1 Factory-order the car. Why? BcLausc otherwise you're almost sure to pav for options you don't want - and thts way you'll get multiple dealers to bid on the exact same car.

Go to the l Rl'l 'Ncb sites detailed on page 93 and kc} in your CXclCl

dealer docs.

Find the phone numbers of every dealer within driving distance. Call them all and ask for a quote. You never know who need'> to make a sale today.

0 FREE meals delivered right to your door whenever you're under the weather!

But I hope you're feeling great today, because next we'll troll down the street and ...

PLAY THE AGE CARD wherever you shop!

Ye~, I'm talking about ~real card. A gowrnment office issues it to you just for being your age, and it's good tor discounts at merd1ants all around town ec page 80, call for your~, then snap your finger and:

U Dine out FREE at some resttlurants near you and take deep discounts at others. Page 85

0 Take special senior discounts at cham store auo s the United tat . St-c pag 80 84.

l Save 50% on groceries !USt b JOimng the nght orp mization Page 84

llSave 15% on cigarettes, the same brand you u uall} buy! Page 83

0 Save $100 a year on soft drinks and 1.40 per gallon of milk. Page 83

0 Enjoy FREE video rentals, eating nearly free pizn and popcorn. Page 83

O Take half off the cost of your favorite bleach, detergent, shampoo, conditioner, toothpaste, shaving cream, lotion and perfume! Page 83

nd that's not even counting all the extra money we'll ave you with ...

SUPER COUPONS, REBATES & TWO-FERS! You will not "pcml a lot of time doing

this and ·ou won't buy anything you don't need. But you will save an extra 251.)(, on virtually everything you buy, just by following the s •cret sy~tem spelled out by coupon maven linda Bowman on page 85. You'll need a cardboard box, 2 envelope , sci -sors and ma}bc 10 minute a week, top . But your rt•turn could eac;ily be 1,000, 2,000, even 3,000 this year alone. go for it!

TRICK #4 Betore vou drive vour new . ' l.tr ctwa ·, tlw de.llcr will make at least 3 attt•mpt~ torah· thr price \\ith Iast­minutt' options ) ou don't need. Put your linger~ in your ear~ .md ~hake your head.

ICK #5 ·m, st•t• page 92 dlld save up to JOo/u on your auto imur.uH:e! Never buy anything big or small without checking

! Tear out the card next to page 19 and PREVIEW IT FREEl

www. BottomllneSecrets.comJbestyears

IF YOU Ki\OW A~YONE OVFR SO \\'ho feels helpless and alone in the world, tear out this page and a sure your friends they don't have to go it alone.

We don't have space here to describe all the incrl:dible I RFE upport networks listed in your FRI:E-Preview book, but here are a few important ones: 0 FREE legal referrals. Visit the Web site of the at tonal Academy of Flder Law Attorneys at www.naela.com or call them at 520-881-4005.

0 FREE help concerning your medical rights. all the enter for Medicare Advocacy at 860-456-7790 or visit their Web site at www mrdicarcadvocacy.org. 0 FREE help for women. Visit the v eb site of the Older Women's league at www.owl-ndtional.org or call them at 800-825-3695.

0 FREE help for veterans and their families. (all800-827-1000 or et your browser for ww\-v.va.gov.

Get full listings of all your 50+ support services in your FREE-Preview copy of

FEEL UKE TRAVEUNG? Now you will ...

.. . becau e from now on, wherever you go, it's going to be greatly d1 counted or TOTALLY l·REE! First we'll take care of local trip by bowing you how to get:

0 FREE car repairs. You'll pa} only the actual cost of the parts. Page 82

0 FREE local transportation to malls, to res, the doctor's office or el ewhere. Page 80

Then it's time to pack and take the vacation of your dreams! It's possible now, becau e you'll: 0 Either fly FREE by helping out the tour company as e>..plained on page 315 ...

Or buy tickets for MUCH less than an airline can offer. Page 315

Next, when you arrive: L If you want a hotel, see page 322 and claim a free room upgrade .. . .-. If they say there's no room, call back as e>..plained on page 322 and get one at a discount .. . 0 Or best of all, join the secret 50+ Bed & Breakfa t Club listed on page 32.~ and tay at lovely e tate and farms for under $25 a day!

OF ! 1\ow, uppose you fall in love with your

vacation pot and want to move there? We'll how you how ... And if you find the retirement

home of your dreams, don't worry about elling your current hou e, bccau e here' where you're going to find RFAUX BIG MONEY .. .

SELL YOUR HOME FASTER for much more money

FACT: A surve} by U A Today found that 49% of all buyer found their future re i­dence simply by eeing a ign in the front } ard. Please, if you think you ne d an agent, ee page 131 first. Learn how to do it your­elf, et a higher price than you dreamed of

- attract drove of buyers- and pocket the agent's commi ion in the bargain. Thi ecret alone could put an extra 10,000 to 20,000 into your retirement account!

Okay, now that you've found all thi extra mone}, let' make ure 1t never run out. ..

Continued 011 pa~t' 6 ...

Enjoy money­saving tips worth thousands­all for less than the price of a dinner out for one!

6

Make the money roll in and

'TOUR GENERATION will live longer than any before it and 1 I that's fabulous news. But the sad side of this is that too many people are worried about dying broke. Let's remove this concern once and for all. We're going to make sure you're financially fixed to enjoy a long, healthy life. How? Well, for starters ...

Everyone says "review yo r porHolio o ce a year" ...

But did anyone tell you how to do it? Well, here at 1<1\t is the procedure! let one of America's canmest financial advisers walk you through every easy step on pa 'L' 41. Then, if your inve tment have lost ground, we'll o.,how you how to start making it up. Now you'll get...

BIGGER RETURNS from your retirement plan ...

.. .with le sri k than before. If you're tired of old saws like "buy low, ell high," you're going to love the difference here. We htred the nation's top retirement planner to show you the practical ·ecret that turned their very ordinary clients into very happy multi­millionaire .

You'll learn how to ...

Yl , YOU. Not millionaire\, IJil/icmaifc,. An incredible opportunity has been opened up

h new ta lcl\\'s. Our estate-planning ex1 rts c II it the I·ore\'Cr I mst -and, 'cry impl •, it's a way to protect any

amount of family wealth from all estate taxes. forever.

within the lifetime of your grandchildren. It' not hard to estahli~h one and we'll show you how to do it. l·at cats are o.,ctting theirc, up right now. Why leave your own loved ones out in the cold? 'Ib create your own billion-dollar legacy ...

Do the math and some staggering figure emerge. Inside this tax-proof shell, a relatively modest amount earning very ordinary interest can become $2.2 billion

Get FREE DETAILS on page 24 of your FREE-Preview copy of E R OF !

0 Make 13.78% more on all your retircrnent inw~llllL'llts, 'l'l keep .1 huge ~uppl , ol ca~h. Page I I

0 Play the Roth IRA game by the new rules .md profit whcn your ~lock~ go ~our, at no ri~k. 'J'hi~ could incrL•ase your nest egg by

10,000 in om• YL'ar alonc. Page 14

j Underwhelmed by your company's pl•mion pl.m'! I Xl'rche thh secret option and gel hundrctl~ more e'ver> month. Page 8

0 Got an annuity? lind a better-paying plan and switth comp;mtes. Page 8

i'.L•xt, you'll safeguard every dollar from future downturns, with ...

SAFER I ES let you seep .... 111d enjoy a bigger upstde, too. Want to

he bear proof and read} to nm with the bull\) No problem' Our experts came up with so many opportunities, we had to create an extra chaptl'r! \end for your JoiU"F.-Preview book .uui ~tart building security tnstead of phantom wealth. I Why did Warren Buffett get the last laugh while Internet inve tor went broke? Bec.tme he's the world's slowest investor. lie ~ays, "Pretend you have only 20 investment choices to make in your life." Learn hi tortoisL•-likt• ~}'~tern for buying the right one on page 35.

0 Safer than banks \Vith better returns! The equivalent of a rhk free bond paying 30°1o before taxes. 'llus is for real. Page 40

::When did your stock 1 become overpriced?

'J he expert who shares " this secret sold AOL at Its

taggering high. Page 36

0 Is that lQw-priced stock a bargain or JUSt a loser? Forget the P/L ratio and learn how to

judgL' real value. Page 37

Then ·ou'll ~tc1rt keeping more of your newly cnlarg{:d inwmc with ...

LOWER TAXES on everything!

In prrparing thh book, we convened ~l'vcral big lllL'C'tings with America's highest· paid ta lawye~. asking them to reveal their very lJ\:st retirement tax l<x>pholc . The answers thl') gave were so brilliant, I think they even surprised each other. More than a few got out their p •ns and started taking notes!

www. BottomlineSecrets .comlbestyears

0 Why pay punishing taxes on your retirement plan payouts? I et our e perts show you a lovely new shelter their high­roller clients adore Page 48

0 Pay zero capital gains tax by taking paper losses, and lose nothing hut your tax bill. Page 51

[ Do you go south for the winter? Bingo' Sec page 54 and deduct your rent as a medical expense. (Also your cell phone bill, new mattress, a new recliner and more.) 0 Next, be sure to correct this common filing mistake that people over SO often make. Othenvise, the IRS could take your refund back! Page 49

Anything else? Oh ye , let's make sure your loved one benefit from your sagacity, With .. .

RIC ER ESTATE for you and your heirs!

Whether you stand to inherit or want to leave more for your heirs, a few quick steps now could double the amount that's actually pas ed down. Let our experts ·how you how to repeal your estate taxes now:

-

You've got loopholes! Turn their allowances,

tuition and medical expenses into tax

deductions. Page 22

Cut your estate taxes by 50% with one simple step Not a tru'>l. Much easter! Page 18

U Protect your spouse and kids from havmg your life insurance taxed! Page 20

0 Was your will prepared before 199T? I he rule'> have been changed, so ee page 20 now!

And if you want to keep peace in your family, do see pages 21 22. l'ind out how to favor one child over another without creating rc entment. Then make an even smarter move and suddenly ...

Conti11ucd em pase 8 ...

SO fH[ KIDS moved out? Cheer up. You haven't lost your children, you've gained a tax shelter! In fact, you could now be

cutting your taxes, in. urance premiums and other expen es in 7 ecret ways.

See page 52 of your l·Rl t.-Preview book. Discover how to usc your new status to shelter $250,000 or more of ]Our income from any federal tax .. . and that' ju t the beginning!

Find all the world's best retirement secrets in your FREE-Preview copy of

YEA DR

I • Tear out the card next to page 19 now and PREVIEW IT FREE!

8

Ill

Ill

beHer looking year!

There's a lot of buzz in the health press about AGE­REVERSAL. Ever wondered if all this gee-whiz stuff can

possibly be for real? Well, the answer turns out to be a resounding YES, but ...

Don't pay a penny for it! Because the real break­through have nothing to do with costly hormone injections.

It's cheap, easy stuff that anyone can do. And that's not ju t my opinion- it' straight from America's mot re pected gerontologist. Hi name is Robert N. Butler, MD, and he' the former chairman of geriatrics at New York's pre tigiou Mount Sinai Medical Center. You'll receive Dr. Butler's revolutionary age-rever al program in your FREE-Preview book. And you'll find it's not only amazingly imple, but even plea ant:

LIVE LONGER by living it up 0 What single cause makes you 4 times le s likely to get sick and die? Il's nothing to do with smoking, exerci e, diet, gender or even your age. A study of both men and women found that it's your social habits. To

extend your life this lazy, new way, see page 95-97.

0 What activity makes older men more than twice as likely to live longer? Not weight lifting or power walking, but good old volunteering. ee page 97 for details, then tum to page 333 to find hundreds of new volunteer opportunities. 0 Why do women outlive men? Their honnone ? "I11eir chromosomes? Wrong! New re earch sugge ts it' their friendship . See page 97 in your FREE-Previe\\ book for practical step both men and women can take.

Then, if you're worried about losing your edge as you grow older, you'll welcome the new about how to ...

REVERSE MEMORY LOSS almost immediately

It's tragic that ome older people suffer mental decline. But the latest news from scientists is that:

without steroids or surgery!

0 Memory loss isn't just preventable, it's reversible. page lOS and find out about a memory enhancement program that is making thi happen in a very hort time. They'll show you how to do it yourself. You don't need drugs or doctors to: -Remember where you put key, wallet, gla se and other easy-to-misplace item ... You know how

lll'W h ' abs rhcrs c,m

lengthen th lif of your t'M? B ll vc it or not, till' same idea could put you back on the term! ourt. It\ ca lied II ·fall c~-r 20. You gL't ~ injections of

it, spac done week apart, and it actually boo t the cu hioning power of the fluid in your knee JOint Many knee-pam ufferers are walking without wincing for the first time in years. Show your doctor the details

on page 214 of your FREF-Preview copy of ...

Mail the card opposite page 19

now and PREVIEW IT FREEl

-Memorize any name instantly and asso iate it with the right face ... - Retrieve long number from memory through an easy technique called "chunking" ... -Move hort-term memorie into the long-term section of your brain. 0 Intelligence does not decline with age. In fact, new research how that your judgment, general knowledge and accuracy can greatly increase with each passing year. How? See pages 95-96.

0 Your creativity can rocket and, in fact, many older people grow intensely creative for the first time in their live . Witne s all the a live artists in their 80s and 90s. What to do? ee page 96.

Then your Jo!U"F Preview book will al o reveal plenty of other brain ·sharpening secrets, li!..:e ..

U Some prescriptions disrupt memory and one nltljor tulprit is a common antacid. Details on page 106.

LJ A few foods really do boost memory, including strawberries! See the fullli ton page 106.

CAl, you'll naturally want to ...

LOOK YOUNGER than friends who had

plastic surgery I ley, 1f you want to have plastic urgery,

fine! We'll show you how to elect the afe t procedures, get the best doctors and en ure a super outcome.

But the latest nonsurgical technique can produce equally plea ing resull . nd they're more permanent, becau ·e the change are not just skin-<.kep. Let leading dcrmatologi t show ) ou how painlcs and cheap it i to:

l1 Repair damaged skin with the one true rmraclc cream that actually rejuvenates your cells. In a placebo controlled study, people u ing it were trans­formed 800.(> better­looking skin. Page 146

r ____, ~

0 Drive away a potbelly with exercises you do while driving your car. Page 148 0 Get a face-lift! Facial mu des arc actually very mall, so the "facial aerobics" outlined on page 144 arc quick and nonstrenuous. Better till, in just a couple of weeks, you'll see

re ult : Cure under-eye bags with "eyelid lift " ... erase a double chin with a simple head­tuck motion ...

FEEL BEnER than you did 20 years ago

If you've suffered a physical setback, your FREE-Preview book will provide you with hundreds of highly effective new ecret to help you: 0 Triple your strength and la h your risk of heart disease, diabetes and osteoporosis. Page 101 0 Overcome hearing loss. New high-tech breakthroughs can re tore remarkable clarity to your hearing, o do get the complete update on page 222. 0 Beat the blues with the powerful ingredi­ent mis ing in antidepre sion drug . Page 180 0 Overcome chronic pain even if your stomach can't tolerate ibuprofen. Have painkilling creams created for you that deliver relief right through your skin. Page 260 0 Sleep through the night at la t with an exciting, drug-free breakthrough from the tanford Univer it} Sleep Disorders Center.

Page 185 And when you clo need professional

medical care, don't worry about paying for it! Just turn the page and ...

Continued on page 10 ...

-F~J-\ Cl/ P J-il~ J once and for all! Aching backs are a

perpetual torture for people over SO. But a

brand-new medical break­through can probably end yours at last. Dr. john SMno, profcsc;or of clinical rehabilitation medicine at New York University School of Medicine, is changing the lives of back-pain sufferers with the discovery he shares in your FREE-Preview boo!-:.

As Dr. arno explains, most chronic back pain is not caused by a herniated disk or other structural problems. New studies how it's simply your circulation.

A nerve response called 'fMS (len ion Myositis ~yndrorne) cuts your back's blood supply. 'I he cure is easy to Jearn and it's FREF.. Dr. Sarno's patients report years of pam gone in days. What have you got to lose? ee page 176 and try it!

Just follow the easy instructions in your FREE-Preview copy of

BE YEA OF YO FE!

www. BottomlineSecrets.com/bestyears

Deepak Chopra s secrets make it simple to

YOU BIOLOGICAL

W[ ALL KNOW TilE PROVERB, "You're only as old as you

feel." But what if you could turn that wisdom on its head and think your\elf young? Dr. Dccpak Chopra has devoted his life to this science. I lis a toni hing result at The Chopra Center at La Co ta Resort and pa have been hailed repeatedly on national

television. And now he'll share his break­throughs with you, beginning on page 99 ...

[ 72-year-old men grow stronger than their 25-year-old counterparts in just 12 weeks w1th this technique! (A similar trick )ields great result for people over 95.)

Life expectancy soars by 11 years if you simply get a little more leep and use the other low-stress ecrets.

0 Heart disease may be hatted by not saying 3 words. (Remarkably, people who u ed the e words most often in their con­versation were hown to have the highest risk of anyone!)

0 Near1y any aging "marker'' can be reversed just a easily, including your cholesterol. .. body-fat ratio ... blood pressure ... blood ugar ... bone density .. . even your sensitivity to temperature.

9

10

for $16,541 in extra benefits! I F YOU'VE EVER FILED A CLAIM FOR ANYTHING, you know

how "the system" works. First the politicians promise you a zillion great -sounding benefits. Then the bureaucrats make it impossible to get them! But from now on, you'll throw the rule book at them. You'll collect more benefits, stop paying needless expenses and pocket an extra $16,541 or more. Here's how:

If you're on RE ..• You'w probably paid thou and of dollar in the

last few years alone for prescriptions, glas es, doctor fee , diagnostic tests, surgical services, hospital expenses and all kinds of other stuff that Medicare doe n't cover.

But are you sure you really had to pay? We retained a high-powered health-care lawyer to comb through the fine print, and hi revelations may stun you. Over the next few years, just the Medicare

treatment...

ecrets in your FREE-Preview book could ea ily ave you 16,541 or more. o please, do your ca h flow a favor and: 0 Get doctors to accept Medicare, even when they ay they won't. Appeal to their en e of decency by repeating what's printed on page 204. It' very tactful and doctors admit it works. 0 When your Medicare hospital days are "used

F rom the moment they slip that identity tag on your\\ rist, vou're

just a numhcr to the hospi­tal staff, unless you see page 249 and learn how:

n If no one answers your call button, pick up the phone and make this call...

can be your best friend! \nd before you let any loved one evl'n check into a hospital, doesn't it make sense to check out its rank­ing? 1 here\ a not-for-profit agenC) that will send you a full report. Call the number on page 193!

0 Hospital patients who ask questions receive be ttl. r and more respectful

0 You'll get more appe­tizing food than the guy in the next bed .. . 0 A "patient representa­tive" or "ombudsman"

up," don't let them kick you out! Do as advised on page 205 and get an extension. 0 Wouldn't it be wonderful if you could get a big tax break for long-term-care insurance? You can, and we'll how you how. Page 70 0 Get your Medigap premiums refunded. Yes, this astonishing legal loophole lets you get all your money back! Page 60

Remember, Medicare isn't charity, but insurance you paid for with your taxes. Want Lo throw that money away- or collect every penny they owe you?

And if you're not yet on Medicare ...

Isn't it time all your other insurers started trealing you like a human being? 0 Don't let your health insurer deny you life aving te ts and treatments. Your case manager has been trained to blow you off, but we paid a former director of Blue Cross/ Blue hicld to expose the secrets of this little game. Page 63 0 Flunk the life insurance physical? Get a great policy anyway! Page 68

Then, if anyone you love is even a day past 60, plea e don't miss ...

What every family must know about

nursing care right now Don't obsess about it, but do see page

196. Only the very rich can ignore how to ... 0 Make Medicare (not Medicaid!) pay for most of it without fancy trusts or legal moves ... 0 Buy a great long-term-care policy for much less than others will pay ...

0 Make absolutely sure that your benefits won't get taxed ...

L SS for Medigap, long-term

care and any other insurance!

EVFR SUSPECTED you could be paying less for any or all of your insurance policies? It's probably tme and here's

what to do!

www.BottomlineSecrets.com/bestyears

And did you know you can pay for long­term care with your life insurance? It may be the smartest deal of all. See page 66! Then don't miss your new opportunities to ...

Squeeze more money from Social Security!

If you're not collecting it yet, your parents probably are, but not all they could: 0 Slash the taxes on your benefits. Legal loopholes that will save you hundreds (or thousands!) of dollars this year. Page 59 0 Claim your Social Security BONUS money! Never heard of it? Neither have millions of others who qualify! Just ask for the money described on page 58. 0 Are your payments being skimmed? Officials admit at least 4 million scam artists are using stolen Social Security numbers and one could be using yours. See page 59.

Next, let's make everything else in your life more secure ...

Continued on page 12 ...

Why pay a penny out of your pocket for

Our Bottom Line editors arc nationally renowned for digging up details of secret government

giveaways. And in your FREE-Preview book, we'll share complete details of how any American over SO can tap into thousands of dollars worth of FREE HEALTH CARE, including:

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_j

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any threat to your h,. TOO MANY RETIREES LIVE IN DREAD of illness, accidents and crime.

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A RE WOMEN DENIED LIFESAVING TREATMENTS that men receive routinely? New studies confirm

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Arrive alive. Let an acclaimed driving ace show you how to drive confi­dently in rain, snow and ice ... and find out why not to inflate your tires to the carmaker's recommended level. Page 295

Are you starting to see how worry-free the second half of your life can be? Whether you're SO, 60, 70, 80, 90, it just doesn't matter! The years ahead can be magical. For the first time in yow life, you can ...

Contirwed on page 14 ...

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E OF YO !

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Say good-bye to your cares. And say hello to your dream retirement, doing the things you longed to do, but never had time for. Just let

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First we'll show you Then we'll show you how to DREAM IT. • • how to DO IT!

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the same amount of money. G Pick your paradise! D1scover the best retirement han~ns for tux break'i ... what you must do so you won't be double-taxed by your former home state .. . and much more. Page 45-47

If you're retired already, we'll help you olve those puzzlers no one ever prepared you for, including: 0 Spouse spats. You're not a terrible person. Thi is common when couple spend more lime together. Want to know the top conflict? Grocery shopping! Here's how to re olve them all happil}. Page 4

0 Bored? We put the answer to this one on the ver> first page of Chapter 1! Turn that frustration into atisfaction, new adventure and money. Page 1

0 Brush with mortality? Our expert will help you deal with the hock, emerging stronger and happier. tart avoring the weetne of life as never before.

Page 115 Then it's time to tart en joying all tho e things you

promised your elf you'd do ...

More fun with FRIENDS & FAMILY!

o many people feel left out as the year pass. It doesn't have to be that way:

n Make new friends at any age! When old friends move away, what can you do? At least ll things you never thought of. Page 120

n Be the world's happiest grandparent! Don't wai t for them to call you. Call them with these ideas. Page 110

OAnd the world's most appreciated one. Spoil your grandchildren (that's your job!) without riling your adult kids. Page Ill 0 Big birthday coming up? What a great excuse for a family reunion! Plan il so everyone else does the donkey work, while you hold court. Page 114

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0 CHECK UP ON YOUR DOCTOR. To see all his credentials, certifications, any awards and more, go to www.ama-assn.org and click on "Doctor Finder." It's FREE!

http:/ /frecbics.miningco.com, click the button that says SENIOR rREEBlES and have fun!

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Don't stop now! Many more fun Internet freebies await you in your FREE Preview of

E YEAR OF 0 Make your suitcase half as heavy, but pack everything you need. Page 313

O FREE TAX ADVISER. If you've got a question, your answer is waiting FREE at www.irs.com.

0 FREE STUFF OF ALL KINDS, like ffiEE tacos, FREE ink-jet cartridges, FREE coloring books for your grandchildren, FREE cosmetics, fragrances

YO ! Mail your card

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0 Hit the world's most unspoiled alternatives to Hawaii, Bermuda, Miami, jamaica. Page 331

[] Take affordable adventures with other folk· over 55. Archeological digs, reef research and many more tours that connect you with interesting people. Page 325 0 Make the slots cough up! Loosest machine · in Las Vegas and Atlantic City. Page 331

ec what a smooth, happy, blockbu ter second lile you could be enjoying in the years ahead'! Instead of cutting back, living in pain and worrying how you'll cope ...

Call

Your future can be wonderfully different! And what will make the differ­ence? Not how much money you've saved. Not how hard you've worked. Absolutely nothing in the past matters anymore. That's over and done ...

GET WIRED and stay connected!

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0 Get started on the Internet or get your parents started. Don't be cowed - just open to page 302 and do what it says. 0 Decode the jargon with our up-to-date Internet glossary of basics on page 303.

0 Cure your hurts for FREE. Use the Internet to find a new doctor, research the latest cures, join a health support group ... everyone over SO should know these techniques! Page 304 Continued on page 16 ...

T here are hundreds of long­distance plans and they all look pretty good ... until you

read the fine print! Who's got time to sort through them all? Now you don't have to.

habits. You can save up to $120 a year or much more!

just pick. up your most recent phone bill and go to the Web site www.lrac.org. Pur ha e their TeJe:nps Comparison Chart to locate the best deal going for your special calling

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TH BEST YEARS OF OUR LIFE! Mail the card next to page 19 now and PREVIEW IT FREE!

15

BEST YEARS BULLETIN

that lower your blood pressure & fight depression, too!

Prescription sex drugs like Viagra~ can triggL'r dangerous side effects. But the l.1test research shows that

2 little·known se..-..:-cnhancing herbs can actually help) uu overcome other health problems, too. Ask your doctor if these natural mir.1clcs arc right for you:

n Relieve stress and anxiety with ashwasu11cla. 'I his member of the pepper t.umly helps men and women enjoy more fn.•qucnt scx ... yet also relieves llltlll)' kinds of anxiety and depression, too!

0 Fight high blood pressure with muira puwna. I his rain forest herb not only raises IL' tosteronc levels, but also arouses> our brain's pll'asure center and lowers your blood pressure. (Whew!)

There's morl' gn.•at news! See page 265 for your complete guide to the world's ) best natural aphrodisiacs. Jt's all waiting lor you in your FREE­Previ<>w copy ot. ..

16

0 See the future. Breakthroughs that will replace keys and credit cards ... rnake bifocals obsolete ... detect and destroy the earliest signs of cancer in your body. Pages 299-301

It all hangs on what you do right now

This is it! The rest of your life depends on your next move. Will you make the right one?

Yes, you will. Because we've worked for 10 long years to gather up the very best advice for you from the wisest, most celebrated experts in the world. There's simply no better retirement advice available anywhere, because we already got you the best from everywhere, to make these truly THE BEST YEARS OF YOUR un.

See over 3,000 more secrets FREE

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Now I know you're probably wondering, "It all sounds very promising, but can it really happen? can I find aU the keys to unlock my dream retirement in ONE BOOK?" There's just one way to answer that question.

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space here to show you all the ways to make every year happier, healthier and wealthier: 0 Turn assets into income with some­thing much better than a "reverse mortgage." Page 74 0 Beat fat forever with no dieting, no drugs and a shocking secret the diet industry

doesn't want you to know. If you did, you'd stop eating diet food! Page 151 0 Does HAT raise your risk of a false mammogram reading? Yes! See why on page 274. 0 Before you write that check to a new charity, check out how much actually goes to the cause. Sometimes as little as 10%! Find out FREE. Page 28 7 0 Sex after a heart attack? The question every spouse wonders about, but never asks. Page 116

D Lower your property taxes by challenging your

horne's assessed value at exactly the right time. Page 130

0 Got a cell phone? Get a better deal! Page 307

0 Nearly 75% of mortgage holders are paying too much into escrow accounts. Don't give your lender a free loan. See page 77 in your FREE-Preview book for details.

0 New caffeine wisdom! Okay for your heart, but watch out for osteo­

porosis. If you don't want to give up coffee,

see page 158 for how to compensate.

0 The ultimate antioxidant cocktail for people over 50.

A great proponent of aerobics, who revo­lutionized American nutrition, now says forget expensive supplements. Take 3 cheap pills, period. Page 162

0 Don't let the funeral industry sucker grieving loved ones. The cost for a very dignified funeral can be as little as $500, and there's no need to bargain for it. See page 118.

0 30% of all Americans who suffer inconti­nence don't even ask their doctors for help, because they assume it's incurable. Wrong! New miracle medicine wipes it out fast and is less likely to cause side effects. Page 277

0 After you call the ambulance, turn to this book. Careful directions to prevent sudden death when allergic reactions strike ... when a loved one bangs her head ... when you feel chest pains or sudden back pain. Page 187 0 Make yourself audit-proof. I I ow to say no to an IRS auditor and be legally untouchable. Page 55

0 Swap unused coupons for those you really want and need. Unadvertised service. Page 85 D Is the fish you eat chemical-free? Use these tips to be on the safe side. Page 169

0 Your choice of retirement community can make or break your finances, not to mention your health. Choose the right one just by taking one leisurely step at a time. No stress! Page 126

0 Dr. Joyce Brothers lost her husband to cancer at the young age of 62, and she offers wonderful encouragement to anyone mourn­ing a spouse. How to deal with the sorrow, insecurity- be good to yourself- and truly enjoy the years ahead. Page 118

0 Most effective cholesterol-fighting food. You're eating too little of it. Found in pears! Pages 167-168

Continued on page 18 ...

W :.'n LIKF 10 1'1 lANK more than 256 world-acclaimed experts for making THE BEST YEARS OF YOUR WE truly the 11ost valuable retirement book ever created. Here are just a

few of the legendary authonties who contributed all their latest and greate~t secrets to this first-of-its-kind, comprehensive volume.

l>onoghur i\ dt~trnMn ol an lnw~tllll'llt ndvt~ry ltnn 1\ith lliOil' than S 10() tlllll1011 UlldCr

m.m.1grmcut, ,tnd .1uthor nl 12 hooks, uuludmg \futuu/ f1111d \uprTitms.

ESTATE! \tart In \I \h(·nl..mdn, < 1',\, Ill, Is a tax attorn v and author nl morr I h, 11 2 h hook.\

on co.tah· planning, lllduding n~e ~omplrlt HuoA o(1hLI!l.

MAXIMIZING YOUR IRAl ~clwanl frndlowill, t I'\, Is author ol R hooks,

hKitKhng IRA J>istril~ltimx l\'lurt lou Should Know.

FINDING MORE MONEY! lkui~;Ha t !'Neill, l'hl 1, ts professor of l<tlllllv o~nd mmum r ~mrcs at Rutgers

I 'rll\~mt , <~lid author of Sulin.~ 011 u \/1{1('\/rilt~ .111<1 lm'Mtins olltl \/u)( mns

GEnlNG MORE BENEFITS! l't1cr J Stwuss, I sq I I~ cl ldiOI\ of thr ',1tlon.tl \ dcm1· of !Jder l.aw \ ttornep, and

ro:tuthor ol 11u·I1JI'r llm ll.mdi,!Ok.

OUTSMARTING YOUR HMO! BnKc i\ 1~1rron, Mil, h a fortner smlor mrdlrill director .11 !o.mplre Blul' (Jo s/lllue ludd, ~nd ~uthor ol

Out1111<1rting \fan,ISt'l c.,,~ A f)c)(1or 511,,~ lfh lmr.la's ~trt'ts.

STRETCHING YOUR DOLLARS! ,\nw D.K"nzyn h a th rlltv ~fal;ll'r; moth~r of b, <llld author ol file Complrlt'

li~lttwa.l c;azrtte.

MIND/BODY MEDICINE! I A.'t'pak ( hopr.l. \fl), 1~ the 1\orld·f<~rnom loumlcr ot The hopra Centri at

l.a t osta Hl"><lrt o~nd 'ipa, 11nd author of nu111rrou~ boo~. 1m ludmg A.~rlns &.-I), 1 IH11'1t.'SS Mmd: 1711' C~rlllntum Altmmtn'i' to c,roll i11g 1 l/d

STOPPING THE AGING CLOCK! \\llh.un j . hans, l'hl l, h adv!St·r to 1'\A\A and coauthor ol A5trofll: 111t'

A 't'·l<r,'l'rsall'rogr.un Ult'd Ill· A tronm11.1 - \ow .1\d,Iptrd for El'f'l)VIIt'

LOOKING YOUNGER! t< holas V Pe.rrirone,

Mil, Is a drnn.Hologist and cld)unct professor of rncdlctne at \hdug-Jn

\tatl' Umwrstt}'s l ollcge oil Iuman Mc,ildnr, and author ul nre WrinJ.Ir

urr, 17k' /'tm'n'rr l'rt'SCription and 77w Pmuonr l'rrscriptionl't'rSI.JtJUI/UIITIIIII.

CUTTING YOUR TAXES! Tt'<l Tcssrr, U \, SJK'l1alizl"' In 1111 strnent tllld

rlllrernent t.t\ strateg1cc;, and b author C•l Sl:\ era! hook.\, tndudlng 7111' \rw Tmdrr s /iu 'JOlutwn.

GE1TING MORE FROM MEDICARE! Owles It Inlander is president of the non-

profit consumrr group, tlw 1\'0pll'\ Ml'<IKal Socll't)', Jnd coauthor of li1kc /11i.1 Bwk tu t/1r lfol{'lt,ll With }ou: i\ ( 1111.\lflllt'r Gw.lt•to Sun'i1·ing li111r lfo. {'lt<ll ~t.J_v.

TREATING ALZHEIMER'S! Muriel R. (,i!Htk, \fl), IS dlll'I.~Of

of the (,('riatrir' l·ellow'>IHpl'rogram at ll.u·vard Uml(nity \tedtC'dl S..hool, and author ol lilll\lt>./ Minds: Ulliltf\tomtlbiS Alzilt'llncr\ l>isrmc wul Otllt1 I )t mmti"'·

BEATING ARTHRfTIS! I lam II t,abalalw, Ml l, l\ tlinicaltm·c.,tq:ator w1th llw :\.1t1on.tl lrl\lltutc of Arthntb and :'\tu\lulo\krlctal cllld \kill llt\(',1\l"i 111 il<'thco.da, Maryland.

RECHARGING YOUR SEX LIFE! < hns D. :'\ tcletts, :>.1l, h fornl\'I dean of rMturop.llhtc rnediunr ut thr t\,1tlonal

Collrge of •• lturopathil Medtcme m Portland. Ocegon, and author of &1trr 'io l ,\ahualh·a:nd n~rcomplt'lt (ollith•to \JfrlfcrlJS.

KEEPING UP WITH HIGH TECH! Hapuond KumH·il, l'hll, i'> a plonl'<'I In rornputl'r ll'Chnology and arttlinal 1ntclhgen e, ,md author

of l hook.,, including l11r tlsc• of \pmtUt/1 ~facfliJ1 •

TRAVELING CHEAPER OR FREE! () ·horah llunh hJs 1is1tl'd ~2 lOuntrles and e1'C'r. statr of the unton in • o;carch of tra\ell>.ugalns

for proplc mer ~o. and 1\ author of lipl (01 till' 'xmr lim'l'lrr.

0 What m n need to know about menopause mukl help your marriage more in 5 minutl'.'i th n w ks of discu ion. Page 280

But let me d en better and put this new book in ·our hand . Usc it FREE and give it a go!

l 'w rc~crvc , opy of thi inc.:rl·dihle n w retirement breakthrough book for your I· H E use. Remember, you don't haw to buy it. U e it FREI.:..

Imply mail the card facing page 19 now. And I'll Sl' lld 'Otl this amazing, up-to-the­minute, J l4-pag guide, THE BEST YEARS OF YCMM , to preview for 30 days IIUl.!

18

Rllrlfl )\\. WJIHOUI Y< UR PH{\11\SIO\J, a ~I ranger \\'llh a little money

l .111 kilO\\ "here ·ou shop, what }"<>U buy, how mud1 you spend, wh,tt m <.11 me ou t,tke and morr. It's ca . lie just huvs the data trorn your friendly credit card romp m . Doe that fed creepy to you?

V\'ell, d n't t,tkl• it anymore! I ind out h w to stop it with one l'"'>' tep ...

Believe me, you've got to see and feel what these secrets will do for your future ecurity, your spending money, your lifestyle,

your health, your family life and the joy you'll feel when you wake up every day.

o please, take them. Try them. Show them to your spou e, your kids or your

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But whatever you do, check them out now!

just detach the PREE GIIT ERliH ATE to

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keep your 3 free bonus book . Of cour e, I've got a trong hunch that once you open thi incredible book, you'll want to keep u ing the e ecret for the rest of your very long life. But that's up to you. There's ab olutely no obligation!

ju t remember. ..

rrs A BRAND-NEW BALL GAME FRO OW 0 !

We're now in the second half. The cxdte­ment is mounting. You've got everything on the line. Will you do the right thing? It's time ...

o do it! end for your FRll:. HOME PREVIt.W now, win big and hve happily ever after!

I look forward to receiving your !·RUe GWT CL:.R'IIH ArF.

incerely,

$~~ Martin Edelston Publisher BOITOM LINE BOOKS

twice as well (or better!) on your same retirement . Income

www.BottomlineSecrets.com/bestyears

0 The market is catching its second wind. 1t could boom tomorrO\\ or Ill a decade. What to do rwh!

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0 Don't get cleaned out by wd,ty\ headlines. Profit from good and bad news

0 Power of attorney for a loved one? Tell your broker thts today

0 Safe, cheap, no-prescription amino acid that mimic'l effect of Viagra.

0 For women only! Herb that enhances desire and heightens orgasms. [ More energy for sex by stop­ping your secret cause of adrenal fatigue.

0 Why men over 50 are better lovers, and how to exploit your

r America's friendliest city, ct amid breathtaking scenery, planned so you can walk rather than drive.

0 A land of 200 spring-fed lakes and rivers where the climate is mild year-round harming Victorian architecture and low property costs.

0 Arizona's best-kept secret, with 4 mild seasons, great golf and tennis, and an excellent college.

0 Credit card calls to verify pcrson,tlmformation? I a test scam alert!

Don't get Enron'dl If you rc holding c.;tock m your own company, check this quick

.J Never outlive your assets. Do tlus l"<b) tN-dme ,md n: t easy!

Cheap legal protection you must ha\e

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What do women really want? You may be surprised at how stmple this is.

0 Avoid this popular sex pill or you may nsk prostate cancer!

0 Winning alternatives to hormone replacement therapy (I IRI), proven and safe.

[] Double your testosterone safely with an easy exerci c.

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Best of the Pacific Northwest, convement to spectacular coastline a/ICI the Cascade Mountains.

19

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that the best years are when you're old enough and smart enough to realize you can get smarter by listening and leaming from experts."

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...,_ "Excellent book offeri ng the right kind of information at the right tim of my life. 11

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.... 11ln my stimafion1 'I I IF BES r YEARS 01· YOUR LifE should I gi •n "I he Best Book of the Year' award."

Fra11k V Fatta, Zephyrhills, FL

Bottom Line Books P.O. Box 11400 Des Moines, lA 50381-1400

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111 have never before had a book that has contained so much invaluable information."

Elizabeth /. Vodall, Harlowton, MT

"Best reading I've done in ages ..• the information in THE BEST YEARS makes se1lSe! I never order books by mail, but I'm glad I bought this one."

Shirley Homoto, San Gabriel, CA

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