An important message to men and women over the age of 55 who want to supplement their Social Security income
How to Keep Getting Paychecks Every Month
(Even When You’re Retired)
If you’re like me, the “new economy” has really put a dent in your retirement plans. In my case, the income I was depending on to support my wife and me during our golden years got slashed by over 65%.
It was a tough pill to swallow.
But instead of going back to work… gambling on risky investments… or even downgrading our lifestyle…
I fought back.
Here’s the story of how I replenished our retirement account to earn steady, monthly investment income (on top of Social Security), and the simple plan you can use to do the same…
January 3, 2013
Dear Retiree or Retiree Hopeful,
This wasn’t supposed to happen in America.
Not to me.
Not to you.
Not to anyone.
Well, at least not to anyone who’d busted his tail off working 65+ hours a week for the last 50 years. Not to someone who’d always been fairly responsible with money.
The Greatest Retirement Lie Ever Told
You see, I’d been told all my life that if I worked hard, put money aside in “safe, interest-bearing accounts,” when the time came for me to retire I’d be set for life…
What happened instead was this:
When the financial crisis hit in ‘08, the banks (who’d just been bailed out to the tune of billions, mind you) decided they would no longer pay me the decent interest rates I’d signed up for.
So they started calling in our CDs… and boy, did we ever take a hit.
Instead of the 6% we were promised, the banks now offered us a paltry 2% rate — and only if we locked in our money for 5 years.
Well, I don’t know about you, but I sure as hell can’t live on 2%! (And that’s before taxes and inflation.)
Almost overnight, the bulk of our retirement income had been flushed down the drain.
What was going on? The stock market had crumbled and returns on everything from Treasuries, AAA bonds to savings accounts had all plunged as well.
Something was off, and it scared the living daylights out of us…
In the months that followed, my wife Jo and I saw several of our friends cope with the new retirement reality in different ways. Some downsized, some cut back on spending, while still others decided to push back their retirement a few years or, if already retired, go back to work. (And everybody was hit. Even a smart buddy of mine who’d been VP for a big company had to get a job at Walmart just to make ends meet).
It was crazy.
I decided this wasn’t the fate for me. I’d earned the right to a comfortable retirement, and the last thing I was going to do is let the government and big banks muck it all up.
Come hell or high water, I was going to figure a way out of this mess.
How to Take Your Retirement Back
(The “Devil Dog” Principle)
Hi, my name is Dennis Miller. (No, not that Dennis Miller.)
I’m 72 years old, so naturally this wasn’t the first time I’d experienced a setback (e.g., when I was in my forties I had to start back from scratch after a costly divorce).
But every time I faced a setback, I always relied on a little success secret I learned during my time in the Marines to get back on track.
I call this the Devil Dog principle, and it states that you must never, ever give up no matter how hard you have to fight.
Although I first discovered this lesson after a fateful bout of tug-of-war (you can read about it below), I’ve used it many times since.
For example, when I got started in the training business in my early thirties, I wasn’t doing so great. But by never giving up, seeking help from an experienced mentor and putting in the hours, I eventually became top producer at my firm for 25 years straight… working first-hand with clients such as GE, Siemens, HP, Shell, as well as dozens of other Fortune 500 companies.
So when I saw my retirement was on the line, I didn’t roll over or give up. Instead, I rolled up my sleeves and got to work.
No Stone Left Unturned
Now here’s one thing I should clarify before moving on. Even though all my chips were in certificates of deposit (CDs) at the time of my retirement, I was by no means a slouch when it came to the investment world.
You see, for example, when my wife’s mother (whom we affectionately called “grandma”) became a widow in the late 1980s, the responsibility of managing the money she inherited fell squarely on my shoulders.
Since I was newly remarried at the time, I was very motivated to get it right (in fact, I remember my wife, Jo, gave me one of those looks at the time that seemed to say: “Don’t you dare lose grandma’s money!”).
So over the course of the next several years, I applied the Devil Dog Principle to understand how investment markets REALLY work.
I read books…
I subscribed to 6 or 7 different paid newsletters…
Heck, I even called up principals at investment houses and peppered them with questions! (I’ve never been shy about asking for help.)
When I took over grandma’s money, there was a few hundred thousand dollars in her portfolio. When all was said and done, I’d managed to more than double her money, much to the delight of the family.
Eventually, what I had decided to do was put all of grandma’s money (as well as my own) in CDs.
Why did I do that?
Well, a few reasons actually:
- It was a lot less hassle.
- It let me sleep better at night (the market’s a bit wacko, as I’m sure you know).
- It freed up more of my time so I could accumulate wealth through my consulting business (I was in the home stretch of my working years and wanted to make them count.)
- And remember, 6% at the time meant we were making a positive real return (yield less inflation).
But once 2008 reared its ugly head, I knew I no longer had the luxury of being a passive investor and depending on CD income.
I had to become an active money manager again.
So I plunged right back into my pursuit of high yield — I started reading and re-reading everything I could get my hands on about investing, but now with a focus on surviving in a financial crisis. I began communicating again with many of the brightest investments minds in the country (more on this later).
You see, this was serious business to me (as it should be for you, too).
I knew that if I started digging into my savings, I would earn less in interest income… which meant I’d have to pillage my savings even further… which meant I’d earn even less interest… which meant less savings… which… well, you get the picture.
A vicious “savings depletion” circle was shaping up… and I wanted no part in it.
So I kept moving on in search for an answer.
Rolodex to the Rescue
Thanks to my Devil Dog determination, I eventually turned to my old Rolodex—4 stacks of business cards I’d gathered over the years—for help.
There were a handful of cards from people in the financial field, but only one—a gentleman named Glen—was still actively working.
I’d come across Glen’s name in the 1990s when I read about him in one of the investment letters I was subscribed to. Although not known to the masses, Glen was something of a legend in his field of specialty (through the firm he co-founded, he helped bring to the investment world a program that now holds $3.5 billion in assets and has grown by an average 22.5% per year since 1996).
Through Glen, I bought two investments which I later sold for 300% gains. Even so, I’d totally forgotten about him after I became a passive investor.
"What Used to Work Is Dead."
I called Glen and explained my dilemma.
He said the only way I could salvage my retirement was to forget what worked in the past…
The “good old days” were dead.
As Glen mentioned, thanks to Washington’s spend first, ask questions later mentality, the saving and investment strategies retirees had relied upon 20, 10 — even 5 years ago — were no longer valid.
Since so few people had pensions anymore (the only people I knew with pensions either worked for government or maybe for a utility), most had to put their 401(k) and IRA accounts at risk.
But the alternatives weren’t great…
Treasuries were at all-time lows.
Money market rates had dropped to zero.
The markets had crashed (they would soon be propped up again thanks to the Fed’s printing press, but was that really any better?).
And mutual funds? Well, it’s no secret 90% of them couldn’t even beat the S&P 500 before the crisis, let alone now.
In fact, thanks to inflation, even doing nothing with your money was now a risky strategy.
(Just take a look at the chart below to see how much grocery staples have gone up in the last 5 years… and that's to say nothing of the price of gas.)
Washington's Assault on
Seniors & Savers
October 3, 2008 President Bush signs into law the Troubled Asset Relief Program, handing big banks and other outfits deemed “too big to fail” $700B in the process.
March 9, 2009 Dow closes at 6,547.05, 44% below its value a year before.
November 3, 2010 A second round of quantitative easing (QE2) is announced, with the Fed pumping $600 billion into long-term Treasuries no one else wants to buy.
September 30, 2011 Official inflation rate hits 3.9%, topples 7% according to alternative data site ShadowStats.org.
September 4, 2012 US debt reaches $16 trillion, a number that has tripled over the last 2 presidencies.
How Does the National Debt Affect
the Average American?
Since there is no free lunch, Americans will likely face higher taxes thanks to Uncle Sam’s spending regime (by one estimate, the average household will pay almost $3,500 more in taxes in 2013). Also, since Washington must pay massive interest on their debt, it is to their advantage to artificially keep interest rates as low as possible, punishing savers. (And since the Fed recently announced it would buy $40 billion in mortgage-backed securities EVERY MONTH… the punishment will continue.)
What next, Mr. Bureaucrat?
** According to AARP, policy makers are debating a new “cost of living adjustment” that would lead to a 8.4% reduction in benefits for older Social Security recipients.
** Dividends, one of the last remaining strongholds for retirees to earn decent monthly income, have just had their tax rates raised for high income earners… it could be just a matter of time until those tax rates trickle down to the “middle class.”
Inflation erodes buying power. That's why locking in money for 5-10 years in crummy CDs or Treasuries that pay a measly 1% is almost like committing retirement fund suicide. But sadly, many people keep rolling over their money because they simply don't know where else to turn.
That's where Glen came in.
He taught me an alternative investing program any baby boomer could use to not only keep up with inflation… but beat it. A program that thrived in precisely this type of downtrodden economy and, above all else, a program that was incredibly SAFE.
The True Test:
Did Glen's Strategies Work?
When I started working with Glen, I was very cautious. After all, the last thing I wanted to do was lose any part of my nest egg.
So I asked question… after question… after question.
In fact, I’m sure I frustrated the hell out of Glen with all my questions, but he was a very patient teacher. He took the time to explain everything to me until it was crystal clear. (That’s one thing I learned after the “Dot-Bomb” era… I will NEVER invest in anything anymore unless I understand it 100%!)
His strategies were different: I’d never heard any of my brokers discuss these options with me before, and many of his ideas didn’t even involve the stock market at all.
For example, he showed me a handful of unique, yet safe ways I could hedge against a falling US dollar and protect my savings from all the “funny money” the Fed was printing. He also told me about a private money manager (I’ll give you his name later on) who had access to investments the majority of Americans never hear about (well, not from the pawns on Wall St., anyway).
This was all new to me, and I must admit, it stretched my comfort zone a bit. But, I kept an open mind.
After all, what other choice did I have? Go work at Walmart like my friend, for minimum wage?
No, thanks. I’d rather figure out a way to make my money work for me.
So I took a leap of faith, started small, and tried out some of Glen’s strategies…
Did Glen’s strategies work?
To say Glen’s investment ideas worked would be an understatement. In one move, Glen suggested I swap out my poorly performing CDs in favor of 3 lesser-known (but still very safe) certificates.
I took his advice and, lo and behold, in three years’ time I raked in profits of +156.9%, +50.9%, and +83.6%.
I was ecstatic. But that was just the beginning…
Thanks to Glen’s help and direction, the gains piled up and I was eventually able to put my retirement back in the black. (In fact, I now make more every month than I did when I had my 6% CDs… plus… my principal has grown on top of that too.)
But it wasn’t just the money that mattered. What Glen was teaching me was more than just “a good pick” here, or “a winner” there. He was intent on showing me the specific strategies I needed in order to establish (and grow) a healthy retirement fund in the worst financial climate since the Great Depression.
With these strategies in hand, I now feel more comfortable than ever forging ahead, regardless of what happens next.
So in a way, the crisis economy has really been a blessing for me.
But sadly, this newfound joy was tempered by Glen’s sudden death in 2010. It came as a great shock to me, since Glen had become more than a good mentor to me—he had become a good friend (we often talked 3 to 4 times a week).
Although I wasn’t sure how I’d do it at the time, I felt like I somehow owed it to Glen to share his strategies with other people who needed help with their own retirement.
The answer came in the form of an email.
After Glen’s passing, I had kept on with my “self-directed course” in investing. One of the investors I had been in touch with was a man named David Galland, managing editor at Casey Research, a well-respected investment research firm based in Vermont.
In case you don’t know David, he’s one heck of a bright guy.
He was a co-founder of EverBank, directed the New Orleans Investment Conference from 1979 to 1987, and was also a founding partner of the Blanchard Group of Mutual Funds. (And I’m sure I’m forgetting a few things!)
Under David’s guidance and that of the Casey Research team, I'd just closed on a nice 82.4% gain in 3.5 months.
Anyway, one day I wrote David and told him that, although I greatly respected the Casey Research organization (and the results they’d helped me achieve), none of their newsletters really spoke to me as a retirement-minded baby boomer.
But rather than just leave it at that, he gave me this following challenge…
What if I were to write down my story, share the struggles I went through, and give the exact details on the investments I made to get my retirement back on track? What if I were to share all of that with my fellow boomers?
Well, that was like music to my ears!
Here was a way I could finally share what I had learned on my own and from Glen, and become a mentor to others who could benefit from my experience.
I’d always received plenty of help on my road to recovery, it was now time to “give it back.”
So I forged ahead and wrote what I felt was an easy-to-read instruction manual anyone could follow to get his or her retirement back on steady footing.
The result was a 138-page book called Retirement Reboot.
While David was pleased with the book (in fact, not only did he publish it, he also invited me to start a new newsletter under the Casey Research umbrella based on my experiences and my strategy), I was mostly interested in hearing what people who weren’t expert investors had to say.
After we published the book, we got our answer pretty quick.
Here’s one response we received from Maria L. M.
“I’ve recently purchased your book ‘Retirement Reboot’ and all I can say is how I wish I’d done so sooner. I’ve never related so much to a book on money and investing with a good deal of appreciation and awe. Your subjects are timely, relevant, pertinent; I especially love the investment pyramid strategy and the topic on investment newsletters. They’ve given my DIY approach focus. Thanks Dennis, so much! You’re a retirement savings saviour!”
Now, I must confess… as a lifelong teacher, this was exactly the kind of response I was hoping for. (Thank you Maria, I am humbled by your response.)
As Maria mentions in her comment, in the book, I reveal:
- The investment pyramid (i.e., how your investments should be allocated)
The #1 mistake most people make when reading investment newsletters
(I should know, I once made this costly mistake)
- Who should manage your portfolio—you, using a “DIY” approach… or a broker? This will likely be the single most important investment decision you ever make… so best make it a wise one.
Be sure to check out pages 56-59 in the book… I reveal something most brokers would prefer I kept secret, but you ought to know the facts completely before you make your choice. Also, on page 59 I reveal the name of the asset manager Glen referred me to.
In the book I also cover important information like…
- Inflation—9 specific investments that will protect you… and I also discuss whether or not it will get as bad as it was in the Jimmy Carter years
- The safe 6% bond (with a twist) that’s in my portfolio and that you’ll probably want to add to your portfolio, too
- Legal ways to protect your wealth from the claws of the Washington tax tyrants (I must emphasize legal here—although I may not agree with all the government’s policies, I always abide by their rules)
- The dumbest way to buy stocks (p. 67)
- How to “baby step” your way into implementing these new investment strategies in your IRA or 401(k).
I’ll show you how you can get Retirement Reboot for free in just a few minutes, but first, I need to make good on something I promised you at the beginning of this letter.
How to Make Money Every Month
— After You Stop Working
Take a close look at the calendar on the right.
These are the approximate dates you will receive your monthly “paychecks” this year if you follow the simple plan I outline below.
How big will your paychecks be?
Well, that depends on you.
For example, Yves C. from Chicago received $1,801.27 last August…
Clark R. (from Naples, FL) earned more… cashing in $5,325.54 in October.
And Vincent S. from Allentown, PA had a more modest payday in June, to the tune of $552.96.
The thing you have to realize here is that these aren’t ordinary paychecks—neither Yves, Clark nor Vincent had to go back to work to get them.
And they aren’t Social Security checks either.
You see, these checks represent the “paychecks” your money will earn for you once you put it to work.
How will this be accomplished? By investing in a special class of ultra-safe dividend stocks… and by doing so in a very precise manner.
(If you’re worried about the stock market, I can relate, I am too! That’s why I specify ultra-safe here and why, later on, I divulge a strategy I use to NEVER put more than 1% of my portfolio at risk. This gives us maximum upside potential with next to zero downside risk.)
OK, so here’s the deal.
You see, we’re not just going to invest in any plain old dividend stock willy-nilly.
Instead, we’ve screened over 7,800 stocks for you and selected the best in terms of yield and safety (only investment grade stocks from well-established companies were considered).
In fact, out of the 7,800 stocks we evaluated, only 96 survived.
Apple, for example, didn’t make the cut even though it recently started paying a dividend (its 1.8% yield didn’t make the grade).
Now, 96 stocks is still a lot to choose from, so we went a step further and singled out the 9 standouts—the “best of the best”.
Here’s the story on our first three superstars:
- Dividend payer #1 is actually older than America itself (it opened its doors for business in 1760) but chances are you’ve never heard of it. That’s a shame, because this company is currently yielding a healthy 5.03%, paying out 70-75% of its earnings each quarter to its stockholders.
(NOTE: Here’s the beauty of solid dividend-paying stocks—Dividend payer #1 rewarded their shareholders with a 200% stock dividend “Christmas bonus” last December. It’s not unusual for good companies to give out extra paychecks and, in fact, there’s no telling if Dividend payer #1 won’t send out another one later this year.)
- Dividend payer #2 pays a sturdy 7.35%, which might sound the “risk” alarm bells… However, this behemoth sells a product everybody needs (cheap energy)—and does $33 billion in sales over 47 states, the District of Columbia and Canada. In other words, this isn’t some fly-by-night operation offering high yield just to attract the interest of investors. This is a legitimate play that should pay off for you for years to come.
How much can you earn?
Let’s do some quick math with Dividend payer #2 and see how big your paychecks could be…
If you put $25,000 of your portfolio to work here (that’s just an example – it could be more, could be less) you would receive $1,837.49 over the next year based on the company’s current payouts. Since it pays quarterly, that means four paychecks of about $459 each, timed every 3 months. Not too shabby.
(For comparison’s sake, the same money “working” in a 1.3% CD—the absolute best 5-year CD I could find in my online brokerage—would only give you $325 in 2013… and you’d only receive one paycheck!)
- Dividend payer #3 “only” pays a modest 3.24% yield but is still one of my all-time favorite stocks (and 3.24% is still 9.5 times higher than what a 3-year Treasury pays right now, which is a pathetic 0.34%).
Why do I love this stock so much? Because it’s a great pick for just about any portfolio. The non-cyclical nature of this company means that whether the economy starts booming again… or keeps lagging… these dividends will still go out like clockwork (in fact, Dividend payer #3 has not missed a single payment since 1899, meaning it has sailed through 2 world wars, the Great Depression, as well as this latest crisis without missing a beat).
Alright, let’s skip Dividend payers #4 to #9 for now. We’ll come back to these a bit later.
Let’s move on to strategy.
If you simply picked one of these 9 stocks, you’d already be head and shoulders above the crowd.
But the problem with dividend-paying companies is they only pay quarterly (with the most common payout schedule being March, June, September, and December). Well, I don’t know about you, but I typically have to pay my bills every month… not once a quarter!
For that reason, we won’t be looking at just a single stock… but rather, three.
Here’s what we’re gonna do. We will select 3 stocks from our “super group of 9” that have different payout schedules.
In other words, we’ll pick:
- 1 stock that pays out in January, April, July, and October
- 1 stock that pays out in February, May, August, and November, and
- 1 stock that pays out in March, June, September, and December
This way we’ll have all 12 months covered and you can achieve consistent monthly income throughout the year.
For extra safety and diversification (which I always recommend), choose 6 stocks instead of 3 (using 2 stocks for each different payout schedule instead of 1).
That’s really all there is to getting started with rebooting your retirement.
But of course, that’s just scratching the surface. I’ve listed everything you need to know to put into practice this simple and proven income strategy — including the name of all the 96 stocks, when they pay and what they yield — in a special report called “Money Every Month.”
The 9 super dividend payers are also singled out in the report.
Whether you want to go with my 9 favorites… or pick your own from the full list… it’s totally up to you.
And, for an even simpler strategy, I reveal on pages 14-15 the best ETFs you can buy that pay out on a monthly basis (in my opinion, there are only two you should consider).
I also want to send you this report free of charge.
Now you may be wondering… What’s the deal with the free report and free book?
Well, if you remember a bit earlier, I mentioned that David Galland had asked me to head up a new Casey Research newsletter designed specifically for retirement-minded investors like you and me.
Well, I didn’t have to think long before I agreed to the partnership.
The result is a brand-new monthly newsletter called Miller’s Money Forever, and the Money Every Month income report and my Retirement Reboot book are our special free gifts to you just for giving our service a try. These resources are great tools you can use to get started right away and put your retirement back on track.
Your Guide to Monthly Retirement Income
While I just finished outlining a simple retirement income plan based on dividend-paying stocks, Miller’s Money Forever stretches far beyond dividends.
In fact, my personal philosophy as an investor—and my goal as your retirement guide—is to find high-yield opportunities… regardless of what the investment vehicle happens to be.
For example, one of the picks in the Miller’s Money Forever portfolio is a low-risk bond that yields 5.1%.
I’m also going to share with you the three “outside the box, outside the market” investment ideas Glen recommended to me before he passed away. I made serious gains thanks to this trifecta, and they’re still winners today.
And please understand: there’s more than one way to skin a cat.
While the stocks in our portfolio are selected primarily based on their dividend yield, I won’t turn my nose up at a good chance for capital appreciation. (E.g., one of our picks only yields 1% right now, but its stock price has climbed 21% since we first made our recommendation. It would have been pretty foolish to leave this one behind just because of its 1% dividend, right? I think so.)
Bottom line: we’re not a one-trick pony. We use a variety of strategies all aimed at getting you high yield… and growing your nest egg while not taking on an undue amount of risk.
What can you expect to find inside our pages?
Here’s a short sample:
- Are annuities all they’re cracked up to be? In the November issue we revealed—by the numbers—the real deal about fixed- and variable-rate annuities (Worth the money? Is one type better than the other? Are they even a good deal for retirees?)
- How to hedge healthcare costs. Healthcare expenditures have risen 9.9% in the last 2 years and show no sign of stopping. In the October issue we shared a surprising “health hedge” strategy that lets you cover these costs, no matter how high they may rise in the future.
- How to never put more than 1% of your portfolio at risk. Your percentage may be slightly different, but I share my “20/5 strategy” that practically guarantees I never risk losing more than 1% of my portfolio at a time. (I wouldn’t even consider the market right now without this strategy.)
- Worried about the greenback? Do this… If Washington’s rising pile of debt has got you concerned, the September issue shows you the simple way to diversify out of the dollar without turning to forex, buying gold or shorting stocks.
In each issue of Miller’s Money Forever you will find our model portfolio, which currently includes more than a dozen solid income-producing investments you can choose from. You’ll also find one recommendation we’re holding onto for its pure growth prospects. (In fact, this play recently paid off big time for my readers… moving up 39.88% in just a matter of days. However, it’s important to note that I am NOT selling my stake in this stock since it still has a lot further to climb…)
Each issue of Miller’s Money Forever also includes specific buy/sell recommendations (so there’s never any guessing on your side) as well as my personal answers to questions I receive from my readers.
In other words, every month you’re getting a real-time retirement playbook—the exact strategy that’s best for your money no matter what Congress, Obama, the bankers or the fat cats on Wall St. have up their sleeves. That includes getting monthly income from bonds, safe dividend stocks and alternative investments your broker isn’t telling you about… as well as targeting a few very strong appreciation plays.
Now that’s all fine and dandy, but you may still be wondering, “Dennis, what’s so special about your letter? What makes it different?”
Well, for one, very few (if any) investment letters are written specifically for retirees and those looking to retire in the near future. And there’s also the fact you can save yourself from a lot of the costly mistakes I made by learning from my hard-fought experience.
But there’s also another key difference…
You see, while most investment newsletters today specialize in one specific sector—e.g. growth stocks… dividends… metal stocks… energy…etc.—my specialty is this: whatever investments make my retirement fund grow!
Now there’s absolutely nothing wrong with subscribing to specialty newsletters (I subscribe to a half-dozen myself), but I personally don’t like being tied down to any particular industry or investment type. This way, I can hop around and find all the best opportunities for you—wherever they may lie.
The problem with most investors (even seasoned ones) is that they have what I call a “lumpy portfolio” problem: They’re either too highly focused on speculative stocks… or too focused on a single, specific sector.
But that’s way too risky for my nest egg, and likely, your nest egg too.
That’s why I put such a strong emphasis on balance in Miller’s Money Forever: proper asset allocation is key.
Do You Have a Lumpy Portfolio?
Back in April 2012, I was invited to speak at the spring Casey Research Summit conference. After my session, a couple “Casey’s Club” members thanked me for my talk. They said they had never realized how “lumpy” (i.e., over-weighted) and at risk their portfolios had become.
Now, the thing you have to realize is that these were not “newbie” investors by any stretch of the imagination—Casey’s Club members are investors who have paid over $10,000 to receive all the Casey Research publications for life.
Remember, any one sector can tank. Don’t put all your eggs in one basket, no matter how much of a “sure bet” you think that sector will be. This is especially true if retirement money is in play.
How to Get Started—Baby Step #1
When I started out on my quest to replenish my retirement account, I had no plan, so I had to scramble like mad until I figured everything out.
However, you have a chance here to take a shortcut.
Look, while I’m not saying I have all the answers (I actually prefer if you’d think of me as someone who’s “two chapters ahead” in the book of retirement success), I also don’t think you’ll be any worse for wear by at least giving our service a try. That way you can see for yourself if my strategies can work for you.So here’s what I suggest as a first baby step: start a “test drive” subscription to Miller’s Money Forever today, but take 90 days to consider it at absolutely no risk to you.
If anytime within the first 90 days of your subscription you decide the newsletter is not for you, simply say the word. We’ll immediately return 100% of your money, no questions asked.
Here’s a list of what you will receive as a new subscriber:
- 12 monthly issues of Miller’s Money Forever, delivered right to your inbox
- Free access to all back issues
- Regular, detailed updates on all our retirement income investments (including email updates between issues for any changes in our recommendations)
- The book that started it all, Retirement Reboot, for free in an easy-to-read e-book format
- Miller’s Money Weekly, a weekly missive filled with extra tips on retiring in comfort and saving money without sacrificing
- The Money Every Month report on how to get a reliable monthly stream of dividend income, from January to December
Plus, you’ll also receive 3 other special reports the Casey Research team and I put together for you, including The Yield Book (a good complement to Money Every Month), The Cash Book (the best ways to hold the “cash” portion of your portfolio), as well as The Annuity Guide.
Put together, this gives you a full bundle explaining everything you need to know on how to start making monthly income today—and for the rest of your life.
I’m sure by now you may be wondering how much this is all going to cost.
Well, the normal rate for Miller’s Money Forever is $199 per year.
I think that’s a pretty fair shake, especially when compared to what it can mean to your portfolio.
But I went to bat for you to make it even better.
I asked David Galland at Casey Research if we could offer a special “Charter Rate” of $99 for early subscribers—half the regular rate.
Reluctantly, he agreed… but only on the condition we pull this offer from the table in the near future (whether that means a week or a month at this point I’m not sure).
So take advantage of this special rate right now by clicking here.
Editor, Miller's Money Forever
P.S. We’re expecting one of our top dividend payers to announce its next dividend very soon. If the company mimics last year’s payment dates, you’ll have to buy your shares on or before February 1 to get a hold of their February paycheck. And since the company has increased its dividend per share for the last quarter-century, you won’t want to miss this one. All details in the Money Every Month report.