Successful Investing a RAMONE MN EN EN NAGEMENT “Forget the hype of get-rich-quick schemes,”says this top financial panne “The surest, safest way to get rich is gradually, easily, day-by-day, and never by risking everything you’ve ever worked for.” INSIDE: The safe, simple plan he recommends for anyone who wants to acquire a net worth of at least $1,000,000. Remarkable results already being achieved by many who’ve tried it. a CUCU CA‘A message from the president... Can you really become a millionaire? BELT POU) Absolutely...especially if you meet First principle | these two qualifications: of becoming rich 4) 1. Atthe very least, you must be open to the possibility of becoming a millionaire. (Never seta limit on what you can achieve. Inthe following pages, you'll see Dales oe age why it can be so exciting to put a $1,000,000 goal in your life.) ‘An"“apprenticeship program’ 2. You need a simple, reliable, day-by-day plan—not a get-rich-quick scheme—o ; make your $1,000,000 goal a reality. |“Idare you to he great!” | In these pages, you'll discover such a plan. It’s called Successful Investing & 1 Money Management. It’s already taught thousands of “everyday people” how to | achieve their financial goals by “moonlighting” their way to wealth. You'll read « many of their stories, like the one below. Perhaps like you, they began with skep- behold ticism, but are now well on their way to complete financial independence. material"? Benjamin Ordover, President, Hume Publishing _| Take this simple quiz . a and see. 12 Here are actual comments from Valuable free offer someone who responded to this invitation. yet only one in a hundred “If Thad passed up this offer from Hume Publishing, I would have missed takes it! 7 out on over $150,000 I’ve made in just 12 months using the techniques I learned in the SUCCESSFUL INVESTING & MONEY MANAGEMENT course. Boom in small stocks “Pd probably still be making all the same financial mistakes [always made. | | {o continue through 1990s. And I wouldn’t even know I was making them...” How to profit. 19 “One year ago, I was a city employee with $22,000 in credit card debts and a negative worth of $32,000. ’ Your fortune in the 90s “Now, twelve months later, I’ve made well over $150,000 and have my own. | — start with just $19 a financial consulting business -- all as a result of using the techniques in Hume's week. 18 SUCCESSFUL INVESTING & MONEY MANAGEMENT program. A new millionai “Yes, had my doubts when I frst heard about it, Bu I sent forthe fist les- sah lates — son (it was free, so what did T have to lose?) and I took it one step at a time. every = Why not you? 12 1e techniques were surprisingly simple. (Often so simple, I was amazed 1 | hadn’t done some of them before.) The first lesson gave me an easy way to clear | | Barn the equivalent of a up my credit card debts. All of them. The second lesson showed me how to pros- 4 per in the stock market ~even though I didn’t have any extra cash for investing. 1 | 44% risk-free immediate “The best advice I can give anyone considering this course is: GO FOR IT. 7 of every 10 millionaires ‘You don’t need any advanced education or financial knowledge to make it work. ‘Take the first two lessons, apply the information and give it a chance. Yes, it | | | Teamed how to increase my savings—from $50 a month to $400 a month. return. 12 have made their money this takes time, and you have to study. But the program is easy to understand and if way. 13 | you follow the steps it gives you, you will make money. Anyone can. I’m living Make the most of the if” y ar 1,700 hours you'll work Sincerely, this year. 20 Sector A Hewett Do you sincerely desire to Easton Howell, New York be rich? 7 PS, The people at Hume make it super easy to try out their money-making Free Report: “How to Start techniques, even before they charge you a penny. They'll send you the Investing With Just $1,000” first lesson, FREE. (And init, you'll get at least one idea to help you | ing A of ‘make money!) “The comments above, as wells the other comments shown throughout this piece, have been Selected frm the files at Hume Publishing, Leters from American Students eer to the American version ofthe SUCCESSFUL INVESTING & MONEY MANAGEMENT program, and ltrs frm Canadian stents eer tthe ‘Canailan version ofthe pogrom. Program contents vary because of diferent ax laws in each county Remember, Hume Publishing guarantees that if yu are not {WH satisfied with your ow rate of ecess, you may drop out of he pogram a ny ie“If You Seriously Desire To Become A Millionaire. But You're Tired Of ‘Get-Rich-Quick’ Hype... ..Then you’re ready for a safe, sensible, realistic plan for achieving complete financial independence.” a Developed by millionaires to teach aspiring millionaires the safest, surest ways to build wealth. mw How to uncover up to $2,500 in additional funds each year for investing—money you don’t even realize you have. m See how ex ig it can be to put a big dream in your life...a big goal to become a millionaire. @ Why you really can achieve this goal, especially with the help of this simple plan. m First lesson yours Free, plus special bonus, ype, hype everywhere! Just turn on your TV, “How to Start Investing With Just $1,000.” open your mail box or pick i up a magazine and you're likely to be hit between the eyes with the latest hype on how to GET RICH QUICK! Get-rich-quick in real estate fore- closures...Get-rich-quick in stocks. Get-rich-quick in mutual funds. Get-rich-quick in the latest scheme- of-the-month You're absolutely right to be skep- tical of these extravagant claims. As you've undoubtedly suspected, most get-rich-quick schemes add up to lit- tle more than empty promises designed to separate you from your money So let me ask you a question Are you ready to go beyond the hype? Are you serious about building your wealth? Would you truly like to know how you can become a millionaire? If so, this article was written for you. As a Certified Financial Planner, T’ve found one program I can hearti- ly recommend to anyone who's deadly serious about acquiring a net worth of $1,000,000 or more. It’s a simple, sensible and totally lan that anyone can use to incial independence. Not jematically step fashion and safely in step-by 3 Harold W. Gourgues, Jr. independently rated as one of the seven best financial planners in | North America. (Reached his own goal to become a millionaire 14 years ahead of schedule..and is now dedicated to hping others achieve financial independence.)“Will reach my goal of retiring by age millionaire.” “| have found Successful Investing & Money Management o be inter- esting and beneficial. It has helped me understand everything | wanted to know about investing. | found out that | am a conservative investor but that | wil still reach my goal of retit- ing by age 50 as a millionaire. Anyone who wants financial freedom should invest in your course. Thank you? A. Desjardins, Ontario “Sensational!” “There is no way to go wrong with the simple step-by-step instruction. This course has given me the knowl- ‘edge to become financially indepen- dent. This course has changed my ‘whole outlook on life. | feel like | can reach my goals no matter what my salary is. Thanks for the Bible of Investment manuals.”* ~Steven E. Coon, ORlahoma “Best investment I ever made...” “Before | started the course | had a net worth of $10,000. Through the course | learned how to cut my inter- est costs from 20% and above to 7% and below. This happened through just the first two lessons. | never knew anything about the stock market/mutual fund market.. real estate; the only thing | knew about this was that | lived in some. Now I own property and itis in a key area. It is so hot that a major restau- rant chain is looking at buying this property! | am also looking at buying and restoring a city landmark 3 storey building! All this in just one year 6 months. This course is the best investment | EVER made PS. My net worth in this time period is now $60,000 and growing fast. All this in a MAJOR RECESSION. Believe me, this course really works.” =W. Rigg, Ontario and in your spare time. This program is called, “SUC- CESSFUL INVESTING & MONEY MANAGEMENT.” What caught my eye about this program, and why I feel so enthusi- astic in endorsing it, is that it’s been developed by millionaires to make it much easier for aspiring million- aires to get started on the path to true wealth...and then go right ahead and achieve it T've been asked, in the next few pages, to describe this simple, sure plan. As I do, I'll also introduce you to a host of people who are already using this program with most grati- fying results, which they'll describe in their own words. What I won't give you, what I refuse to be any part of (and so should you) is a get-rich-quick scheme. The First Principle You Must Understand To Become Rich Now, before 1 get into the specifics of how to become rich, let me start with the first and most important principle of all. That is, you must understand that you real- ly can do it As Henry Ford once said, “Whether you believe you can do a thing or not, you are right.” If you accept the possibility that you can become a millionaire, you can. If you close your mind to the mere possibility, you almost surely never will, So for now, all I ask is an open mind. I don’t ask you to believe anything just yet. Ali I ask instead is that you hold your natural, healthy skepticism in check because, as I said, in no way, shape or form is, this another get-rich-quick scheme, As you're about to discover, the message you hold in your hands at this moment is the real thing. First, to help you realize it really 4 s possible to grow rich starting even with modest means, let me give you ... Black-and-White Proof That You CAN Become A Millionaire Let's take an example of how a simple, long-term plan can literally make you a millionaire. If you invest just $2,000 a year in an RRSP (that’s about $166 a month), and it eams, say, 14% compounded annual- ly (well within your reach, as the program will show you), in 35 years you'll have a fortune of $1,387, 140. If you can sock away $4,000 a year in similar fashion, you'll accu- ulate $2,774,280. You won't just be a millionaire, you'll be a multi- millionaire. Plan to retire sooner than 35 years? Well, if you can occassional- ly boost your returns by making 20%-25% or more in some years (as you'll also discover)...r if you can put away more than $2,000 a year (pethaps outside your RRSP), you can find yourself joining the exclu- sive “millonaire’s club” much soon- er, perhaps in half that time, or even less. Morever, there are other ways you can get there faster. For exam- ple, take investing in growth stocks, Let’s say that back in 1959, either you or your father noticed that every office was suddenly buying copy machines. If you had invested $10,000 in Xerox back then, your $10,000 would have turned into $450,000 in just seven short years, Another example: If you hac invested $10,000 in H&R Block just 25 years ago, your $10,000 would now be worth more than $4,000,000. So, yes, there are ways to speed up the process, and grow even rich- er than $1,000,000, if you know where and how to find investments that can add mighty growth power to your wealth-building plan. But the important thing is not justto dream about getting rich, bur to get yourself moving along a path that can take you to your $1,000,000 goal My Own Story (And How You Can Become a Millionaire, Too) My name is Harold Gourgues, Jr. (rhymes with “rouge”). Today I'm a Certified Financial Planner and financially independent. But | wasn’t bom a millionaire. Far from it. Back in about 1963, I was a young man in my mid-twenties with few tangible assets to my name. I ran across & magazine arti cle that described a long-term plan for becoming a millionaire. The article said that if I invest a certain amount at a certain percent- age for 25-35 years or so (just as ve shown you a moment ago), I'd become wealthy. So I thought, “that doesn't sound too difficult. Again, it was the same secret of getting rich slowly, over time, rather than trying to build a fortune ‘overnight out of thin air. figured that living life with a financial goal, even if it’s a long- term goal, was a lot smarter and more exciting than living without any goal. After all, if you don’t even have a goal, how can you ever expect to reach it? So I made it my long-term goal to become a millionaire by the time Iwas 60. I was determined to expe- rience financial independence, to one day be in control of my destiny and never have to work for anyone I didn’t want to. T was also determined to be able, if I desired, to enjoy the finer things in life—a beautiful home, paint- ings, clothes, cars, travel, ete.—without having them detract from the spiritual values I had been taught by my family and my chureh. Indeed, I had been taught from a young age the importance of chati Al Frank, Investment Advisor, California “Don’t try to get rich too quickly.” was a school teacher making less than $20,000 a year. I thought if I could make $10,000 or $20,000 in the stock mar- ket, I would be very happy. Well, it turns out I’ve done much better than that, And it’s through the process described in the Hume course...not being a genius, or even terribly bright, just being reasonably intelligent and keeping to it. “A lot of people want to get rich quickly. And they do things that are not prudent. Have an attitude that you're will- ing to get rich slowly, that you're willing to grow by 15% or 20% a year in your investments. Remember, 20% a year is a double in about 3-1/2 years, 15% (doubles your money) in 5 years....You can look to ear 15%, 20% and if you're really ‘good, 25%, doubling your money anywhere in three to five years, which becomes very handsome over a multi-year peri- od. “So, I suggest people don’t try to get rich too quickly, you know, don’t make it an all or nothing situation, If you want to do that, go to a gambling establishment and go for broke. But if you want to take your serious retirement money, your sav- ings, and apply them to a diversified portfolio of stocks, understanding the market as you can from reading the Hume courses, studying them, then you can increase your estate gradually and quite extensively over a long period of time. And that’s my way of finding economic success in today’s society. 99“I worked my tail off all my life and I’ve never made money so easy as this.” “{ got a high school education, but that’s all. But | can read every word that Hume puts in [its pro- gram]. It just seems so natural, you know, to just pick up a newspaper now and read the stock market and you know just exactly what you're reading. All those little numbers are not little numbers anymore. They mean something | would advise anybody if they want to take this course, take the first ‘month, or the first three months, look at it, study it, think about it, because when you wind up you're going to take the whole course and you're going to be better off “Ithas worked for me, | bought mutual funds and made money. | bought some stocks—made money. ‘And today, my gold stock report came in...my gold stock is worth $36 and it cost $7. How does that sound? And, my mutual funds went from $47 to $62. There's no flies on that. worked my tail off all my life and I've never made money so easy as this. its great. | wouldn't take anything for this course. If | hadn't had this course, | wouldn't have what I've got now.” E, Mack Bell, California ty, of being our brother's keeper. So I felt that the more money I had, the more I could help others in need. That would be another nice benefit of being wealthy T also wanted to do everything I could so as not to become an object of charity myself. In my life I have seen a number of old-timers who have reached their senior years with- out adequate financial reserves. As you know, many people in that situa- tion become consumed by worry that they will become a financial burden to their children or even the govern- ‘ment, For many, this is a terribly bit- ter, humiliating pill to swallow after a lifetime of hard work and proud independence. I vowed that this ‘would never happen to me So | embarked on my modest, get-rich-slowly-but-surely plan. 1 began my investment program by putting $100 a month into a growth mutual fund. As time went by, I invested in other vehicles, learning as Twer Though I certainly wasn’t trying to get rich quick or put pressure on myself with an unrealistic schedule, I did in fact reach my million-dollar goal 14 years ahead of schedule. And it was so much easier than I ever thought it would be. In fact, since we're all inclined to procrastinate. the only hard part was making that initial decision to get started, to declare that I wanted more out of life than being merely average...that I wanted in fact to become a million- aire Today I enjoy complete financial independence and life tastes even sweeter than I imagined it would. Yes, Lam able to enjoy the finer things in life. But I consider myself a truly rich man because I also have the time to do whatever | want in life. For example, I work only when I want and at the tasks I want. Economically, | am my own master. T also have the time to enjoy many other riches in life, several of which are far more important than material “1m four years I’ve had roughly a 70% increase in income and just this last month was a particularly good month in that my investments in the stock market—I made more than I did at my regular job.?? 6 John Gridley, Californiawealth, For example, I greaily enjoy serving as a Deacon in my local church, and it gives me great satis- faction to be able to help my neigh- bors and friends in this way. But if 1 hhad to work long hours just to earn a living, I surely wouldn't have as much free time. Inall, I feel that one of my greatest blessings was coming upon that mag- azine article many years ago, the one that urged me to set my sights on a million-dollar goal. And that is why I urge you so strongly to adopt this same goal, that you will one day be a millionaire. | Dare You to Be Great. 1 Dare You to Set Your Sights on Becoming a Millionaire Iv’s a funny thing about a goal. It seems that the moment you adopt it, you start to tap a mysterious power within you that makes you more focused...and spurs you to move toward your goal methodically every single day. Just as a magnifying glass focuses the rays of the sun into a beam so strong it will start a fire, adopting a goal to become a millionaire will focus your energies as never before “Before using the Hume program, I was $64, 000 | he in debt.” “It’s terrible when you're in debt. You feel like you're working for somebody else all the time. Before the Hume program, we were living in a rented trailer, and we're now living in our own home which we purchased last year. And we don't have a lot of credit card debi, that’s one big difference we have in our life, “Yeah, before using the Hume program I was $64,000 in debt. I Craig Hall, Arizona and give you a powerful, unstoppable new sense of direction. T urge you to go for it! Why not? ‘Try this with me now, Let’s imagine that, just for this moment at least, you're accepting the goal I recom- mend—that you will one day be a millionaire. Don't let any fears of possible dis- appointment keep you from at least entertaining this idea. Make a pact with yourself that no matter what happens, you're proud of yourself for having a big dream and giving it a shot. All you need to do to start tapping an enormous inner power to make it actually happen is to say the follow- ing words to yourself, with belief and feeling. Just for the fun of it, repeat after me’ “lL, (sa Say y your full name here), joal to become a mean ire and | am going to achieve it.” Go ahead and try it—you've got nothing to lose. Stop reading and say the above statement to your- self three times slowly. Now, once you begin to | pt this goal as yours, | going to see your life act you' have managed to get out of debt and am saving about that much since we have a financial plan going, “Now that I have a suf- ficiently strong base, I believe that I can start playing around on the international stock market, It’s a nice feeling, I tell you. You sleep at night and don’t have to worry about anything. I think that’s the big thing. I’ve got a 7 a ee “ i. . Wish I had this 10 years ago.” “SUCCESSFUL INVESTING & MONEY MANAGEMENT provided me with information and knowledge ‘that will enable me to become financially independent in the com- ing years. | graduated from an Ivy League university and | had consid- ‘ered myself a recipient of a well- rounded liberal arts education. But, now at long last, | discover vital lessons which will fill the gaps in my education and position me for personal and professional success. J only wish that | had sought out ‘such a program ten years ago when | graduated from college, instead of accidentally stumbling over it.” Vide Gober, Messachaets start to change. You're going to see how exciting your life can become once you've put a big dream into it, once you've started to think big. You're going to discover how much more you enjoy daughter that’s going to college here in five years so. It’s going to make a difference if she can go where she wants to go and not where the state says we can afford to send her, And that makes a big difference.”“Best investment I have ever made.” “SUCCESSFUL INVESTING & MONEY MANAGEMENT immediately stopped me from procrastinating with my money. | opened an RRSP, got my income taxes reduced at source and invested in no-load com- mon stock mutual funds without los- ing any sleep at night worrying about security. Knowledge is definitely power when it comes to either investing or speculating. The cost of the course has been repaid tome several times over and has been the best investment | have ever made in my life.” “Seon White, Ontario “This program has put me on the road to financial success.” “ SUCCESSFUL INVESTING & MONEY MANAGEMENT has enhanced my income substantially. After reading the first two lessons, | saved hundreds of dollars! This pro- gram has put me on the road to financial success! I've gained consid- erable confidence when dealing with financial matters. You couldn't ask for better.”” ~ Catherine Aten Indiana “My personal wealth has increased three- fold and keeps growing.” “Since completing the SUCCESSFUL INVESTING & MONEY MANAGEMENT course, | have gained a new-found confidence in my finan- cial matters. My personal wealth has increased three-fold and keeps grow- ing all the time.”” =K.E-J, Ontario getting out of bed in the morning when you see yourself growing wealthier day by day, making relent- less progress toward total financial independence and a $1,000,000 (or more) personal fortune. Unlike the great mass of humani- ty, you will know where you are going. You will have a clear goal, and you will be making daily progress toward it. And what a won- derful feeling that is! The Clearest “Roadmap To Wealth” I’ve Ever Found Of course, once you have a goal, or destination, then you need a way to get there. A roadmap, if you will ‘That's what the rest of this article will be about—the clearest and best roadmap to wealth I hav across. If you've got the desire to attain financial independence, then the sim- ple, sensible plan I heartily recom- mend is the HUME SUCCESSFUL INVESTING & MONEY MANAGE- MENT PROGRAM. ever come I consider it the perfect plan for anyone who wants to get started on the road to a million-dollar net worth Permit me to share a few of the rea- sons why: You Will Learn How To Grow Wealthy from Those Who've Actually Done It Obviously, if your desire is to achieve million-dollar wealth, the best way to learn how is from those who've actually done it. And this is the simple yet powerful idea behind the SUCCESSFUL INVESTING & MONEY MANAGE- MENT PROGRAM. To create it, the people at Hume Publishing invited a group of self- made millionaires, leading financiers and brilliant educators to help put together the “ultimate” course on how to grow rich, It took them many years, but the result was unprecen- dented — a unique, completely practi cal, step-by-step, self-study program for acquiring wealth based on tech niques of people who have actually “Unlike the great mass of humanity, you will know where you are going. You will have a clear goal, and you will be maki toward it. And what a wondel fal dail, i feel progress ing that is!”done it I speak, for example, of men like Gordon Pape. He’s a self-made mil- lionaire, and well-known author of “Retiring Wealthy, Gordon Pape’s 1993 Buyer's Guide to Mutual Funds, and Gordon Pape’s 1993 Buyer's Guide to RRSPs.” Mr. Pape learned how to build wealth the hard way through success and failure — after first losing his job. Today he actively manages his family investment port- folio, and is a highly regarded finan- cial broadcaster and columnist Another contributor is Andrew Sarlos. He landed in North America asa World War II refugee with $500 in his pocket. He went on to build a successful multimillion dollar invest- ment group, thanks to methods he developed himself and continues to use to this day..and which he shares in this program, And there are others T could name who have likewise built fortunes and have contributed their precise meth- ods and strategies to make this pro- gram a collection of techniques that really work in building wealth. When I was a young man trying to uncover the smartest ways to build my own fortune, I would have given almost anything to have mentors like these. Goodness knows how many years of trial and error I might have spared myself, how much money I could have saved, how many mistakes T could have avoided, how many additional opportu- nities I could have seized. Fortunately for you, you do have the opportunity to have world-class experts take you by the hand and guide you in your quest for riches. Now you can have your own world- class Board of Directors guiding your every investment move. What an opportunity that is You Will Learn At Your Own Pace SUCCESSFUL INVESTING & MONEY MANAGEMENT is pub- lished specifically for the busy adult who already has a job and can devote only a small amount of time each week to mastering the principles of successful investing. It's designed to let you “moonlight” your way to wealth in your spare time. The program is organized into a series of easy-to-understand, “bite- sized” lessons that are sent to you at the comfortable pace of every three weeks. So you're able to move ahead at your own pace, without having to 20 to classes at times inconvenient to you, Moreover, the lessons are written in such a lively, interesting style, they're more like adventures in trea- sure-hunting than anything else. You Will Discover Secrets Of Building Wealth No One Ever Shared With You Before “My income has improved 100%. I’m very close to financial independence right now. I’m giving myself another year and I probably will retire.” “Before I took the Hume course I was living ftom paycheck to paycheck. I was still a salaried employee based upon a monthly paycheck. All of my bills were paid at the first of the month and I didn’t have anything left over. “I was driving an early model car, I didn’t own my home... Because I’ve taken the Hume course, my income has improved at least 100%. I just recently bought a new car. I now own my home and I’m in the process of 9 by July. “L think I'm very close to financial independence right now. I'm giving myself another year and I probably will retire, Financial independence to me ‘means that I can do what I need to do for me and my family, when I need to do it, without worrying about what income I have, without worrying about where my next paycheck is going to come from or What's going to be in it or how much it’s going to be. “It's not a fixed income per se, it’s the opportunity and ability to grow that income from last month by leaps and bounds. It’s really an amazing opportunity. “[ don't have to worry about my paycheck anymore because I ‘can basically put that in the bank every month and not worry about | using it for anything else but sav- ings. The course teaches you how to actually use your savings to the best of your benefit, and I’ve got everything that I need in my mind to sticceed.” George Stephenson, Illinois purchasing another condominium |“During the last twelve months... our net worth has increased in the neighborhood of $75, 000 to $80,000.” “One of the (ideas in the pro- gram) was to start a second busi- Ness, maybe out of a hobby that you have. Well, | took that a little bit to heart and made some serious plans. ‘Create A Book of Texas’ is the business that my wife and | ‘own now, and we started this busi- ness probably a lot sooner than we might have if we hadn't taken this course: “We've had the business now for about twelve months. | set a goal that | wanted to achieve in the first year with the business and | surpassed that goal. have a sec- ond year goal and | expect to sur- paass that, too. During the last twelve months from taking Hume's program, through investment strategies, savings plans, IRAs and CDs and so on...we were able to Purchase a house, begin a new business, and our net worth has increased in the neighborhood of $75,000 to $80, 000. “['m more optimistic now than in the past because | have a clear idea of where I'm headed and how I'm going to get there. Again, if you start off on a trip you've got to have a map; the Hume financial course turned out to be the map for me.” Randy C. Wilson, Texas These are the real-life secrets of accumulating large amounts of wealth, the secrets you wish someone hhad taught you, yet no one ever did. For example: 1 How to understand and spot high- potential opportunities in every major field of investing—stocks, bonds, building your own busi- ness, international investing, mutu- al funds, global interest rates, col- lectibles, real estate, precious met- als, Treasury bills, higher-yield money market securities, savings bonds, the full range of retirement plans, you name it. @ How to make a single investment dollar do the work of $5 or $10. An automatic way to make your- self richer each month. 1m Fastest, surest ways to get out of debt. = How to have enough money to travel, retire rich, start your own business, educate your children, afford the best health care and achieve all your other financial goals. A blueprint for “The $1,000 Investor.” How you can build a powerhouse portfolio in $1,000 increments, '@ How to hamess the wealth princi- ple that’s so powerful, Bernard Baruch once called it, “The eighth ” How to use this principle to become a million- aire 1 How to reap large profits with pre- dictable regularity from the busi- ness cycle. An easy way to increase the value of your estate by $100,000 or more in a single day with almost no sig nificant change in your current cash position. = Why you can do much better than today’s low GIC money market rates, Safest ways to increase your interest income by at least 40% or more. m Five easy ways to make more money at your bank. 1m How to avoid the biggest mistakes, ‘ks and pitfalls investors make most often, 1 How to borrow money at only 6%- 7% and invest it at higher rates. = How to profit richly from the “Had your grandfather bought 300 shares of Minnesota Mining and Manufacturing ® in 1913 at just $1.00 a share, by today that $300 investment would be worth over $8.6 million.” Harold W. Gourgues, Jtreturn of inflation. m Painless ways to knock down the interest rate you're paying on your bills = How to invest so that the income from your investments one day surpasses the income from your job, giving you complete financial independence. = How to get your tax refund in advance. = How to inspire your spouse to be much more economical. Simple steps that make it easy for anyone to economize eagerly and plow the extra money into wealth-building investments. m World's best_“one-decision” investments. (Once these are in place, you can keep them on auto- matic pilot. Simply monitor their performance at various intervals, and let your money roll in.) ‘§ How to stay motivated in your pur- suit of wealth...to grow richer and richer every year. You Will Get Yourself Organized to Build Wealth You'll be shown how to get into right financial habits from the begin- ning. You'll quickly learn how to manage your money far more effec tively, so that you can live better at the very time that you're saving and investing a lot more. You'll also be introduced to the full spectrum of investments, and understand the pros and cons of each, so you can begin to select the best for you, You'll see how to maximize your return on these investments and use them under different conditions. And you'll know how to adjust your investments as your needs and cir- cumstances change. You'll be shown how to create your own “set and forget it” financial program, designed to keep your investment funds working for you without a lot of work on your part, In short, you'll be given all the knowledge you need to take control of your finances. For the first time and for the rest of your life, you'll be in command of your own financial destiny. And you'll never again be vulnerable to any financial salesper- son taking advantage of you. You Will Know The RIGHT Ways To Build Your Fortune In Stocks Had your grandfather bought 300 shares of Minnesota Mining and Manufacturing in 1913 at just $1 a share, by today that $300 investment would be worth over $8.6 million. What's more, if gramps had left the shares to you, you'd not only own $8.6 million worth of stock, but you'd also be receiving over $200,000 a year in dividends, year in and year out. All from just a $300 investment! That's how powerfully stocks can build wealth. Here’s a more recent example. Had you invested just $2,000 a few ‘decades ago in Warren Buffet’s com- pany, Berkshire Hathaway, your $2,000 would now be worth a stag- gering $2,571,428! You'd be set for life, on just a $2,000 investment. These examples are among the stock market's greatest success stories, to be sure. But they do give you some idea of the immense fortune-building potential of getting in on the ground floor of the right stock. In fact, over the past 60 years, stocks on average have appreciated more than 3,200% more than money left in the bank. So it definitely pays to have them in your wealth-building plan, SUCCESSFUL INVESTING & MONEY MANAGEMENT will teach you the right ways to go about it. For example, you'll learn how to find undervalued stocks— uncovering winners ahead of the pros...How to detect the early warning signals that such a stock is ready to make an explosive upward move....How to reduce your risk and maximize your rewards whether you are interested in capital gains, income, or a balance between the two. aa “Tt was very helpful in = ing the money that I’ve wor! ed hard over the years to accumulate. Itis nice to feel comfortable when making financial decisions.” -F. Wayne Lisle, Georgia “My net worth has increased by 40%, at least.” “The program really teaches you to..find the funds... how to invest them and make them grow. “My goal was specifically to take the $10,000 that | had man- aged to accumulate through sav- ings, invest that and, in a period of nine months to a year, come back with at least $15,000. 1 came back with $16,000. “My net worth has increased by 40%, at least. It helped to get a larger house to where we'd have more room for our kids. “The second thing is...learning how to handle money. Once you've gone through the program, you Start thinking of every decision you make, in terms of buying or invest- ing, in a different way. The Hume program is something that | can say actually works. | know it works because I've done it.” “Chris Davenport, TennesseeYou'll learn simple instructions you can give your broker that will able you to buy stocks well below the current “market price” other investors are paying, as well as other instructions that let you get out before your loss escalates.... You'll know how to spot bold new industries in the making—and pin- point companies that will be the industry leaders. You'll lean the six key points that must be present before you invest in a growth stock that can become a super-stock. You'll discover where to find companies that have near-monopoly holds on their mar- kets—giving them a lock-grip on income and profits for years to come. You'll discover how to use stock market timing to stay out of bear mar- kets but be invested during bull mar- kets, to realize extraordinary retums. You'll also discover the smartest ways to invest in mutual funds: How to pick the winners, avoid the losers and maximize your profits along the ay. You'll learn how to pick up fan- tastic bargains in “closed-end” mutu- al funds. You'll see an eye-opening analysis of the advantages of “dollar cost averaging” versus “telephone switching” between funds. And you'll discover the shrewdest ways to use mutual funds in your retirement plan. You Will Learn How To Slash Your Taxes Depending on your tax bracket and where you live, each $1 of invest- ment income you shield against taxes gives you, in effect, an immediate risk-free 44% gain. That's why cut- ting your tax bill is so vital to your wealth-building program, and you'll find a panoramic review of Canada’s best tax reduction strategies in SUCCESSFUL INVESTING & MONEY MANAGEMENT. It covers RRSPs and pension plans, and tells how to make the most of them, It will show you how to use scores of commonly overlooked loopholes and strategies to postpone, reduce or even eliminate taxes. And it will teach you how to enhance your profits in virtually every investment ‘medium, from stocks to real estate to collectibles—by using shrewd tax strategies when you buy or sell, Are you “millionaire material’’? Answer these 5 simple questions and see... Every year, about 100,00 people in North America become ‘new millionaires, about one every six minutes. By now there are already between 1.3 and 2 million million- aires in Canada and the United States, many of them self-made. But are you “millionaire material”? If you can honestly answer to these five questions—YOU QUALIFY: “Y] 1, Do you sincerely enjoy making money? © YES Seeing your savings grow? 2. Do you want to live richer now—well before you retire? ONO G YES ONO G YES ONO 3. Are you a positive person, willing to say “I can do it"—rather than “Why bother, it won't work?” 4, While you continue to work in your chosen business or profession, are you willing to give some of your leisure time to making money—and keep at it as your money grows? 5. Do you want to try first before you commit, because you prefer to judge and decide for yourself? O YES NO O YES ONO If you can say “Yes” to these five questions—excellent. The proposition described in this article was written for you, and could change your life.“A BMW was my goal. And, ?’'m driving it today” ‘Norman Thomas, Washington “The program was exciting to go through because I felt like I was embarking on a new chapter in my life. That sounds sort of momentous, but when I look at it, the effect it has had really has been that big. “When I first subscribed to it, I was a typical young, early-20’s | guy. I spent a little bit more than I made all the time, and was having fa great old time, But it started to occur to me that I can’t keep living like this. I need to look at how I’m earning, how I'm spending my money, what I’m doing. “I was driving a junky little Japanese car at the time and I had a lot of debts. I dearly would have loved to have gotten rid of the car, but I just didn’t think I could do it. I was making huge interest pay- ments on my credit cards and the like. “With the Successful Investing & Money Management course, 1 was able to come up with the plan to get myself out of debt, and then to set up a fund whereby I could buy a BMW, which was my goal. And, I’m driving it today.” You'll see ingenious ways to use either your children, your parents or both to cut your taxes sharply. You'll read about the tax-reduction strategy that’s so good, we call it, “the ultimate tax deferral vehicle.” You'll learn how to use growth stocks to minimize your taxes...How to use little-known credits and deductions to slash your taxes...and ‘many other techniques the rich have been using for years to slash their tax burden, You'll Know How To Grow Rich In Real Estate As many as 7 out of 10 North American millionaires made most of their money in real estate. In SUCCESSFUL INVESTING & MONEY MANAGEMENT, you'll discover the smartest ways to use real estate in today’s market to build your wealth. For example, you'll learn how and where to find bargain prope How to use leverage — the art of using other people’s money...The 7 principles of finding a good loca- tion...How to make a small fortune by investing in loans secured by mortgage: If you want to buy real estate, or refinance, you'll see how to choose the right mortgage for you...plus 7 key sources of financing. You'll be 13 “My net assets have climbed over $100,000 in one year, from virtually nothing.” = Richard L. Begg, Ontario “Weve just been able to live much better now than we were ever able to before.” “Since taking..the Hume pro- ‘gram...'m able to go and partici- pate in a lot of extracurricular things that | wouldn't normally be able to afford. | have four horses, we have an outdoor pool, our vaca~ tions have become more numerous and | just personally feel that our ‘quality of life is greatly enhanced by 4 program such as this. “Furthermore, we've been able to do it without going into debt. | mean anybody can go on vacation if they borrow a lot of money, but ‘we've been able to do it and still keep our finances in order. | now spend about three weeks a year in Hawaii and we've just been able to live much better now than we were ever able to before.” ~Joet Leetzow, Wisconsin T found Successful Investing and Money Management to be just what it says it is... SUCCESSFUL.” “When | first started the course, | couldn't keep up with my bills and had to borrow money for lunch. Now | am well on my way to being secure.” ~BartC.Crayor, Oklahomagiven checklists for evaluating any property that interests you. If you want to generate rental income, you'll discover how to select the best type of income propertics.. and how to screen for outstanding your investment. If you want to invest now, you'll learn about the 9 real estate invest- ments with the best profit potential including residential real estate, raw land, renovations, and even real You'll see why retirement can be the ultimate freedom—but only if you are economically prepared for it. SUCCESSFUL INVESTING & MONEY MANAGEMENT will teach you how to avoid the most common tenants—people who will pay their estate mutual funds. rents, not cause trouble, not damage the property and take good care of You'll Know How To Retire Rich retirement nightmare— inflation out- stripping the money you've set aside for your golden years. You'll know “Within about nine months of starting on the program, I was able to put a down payment on a house and we moved in on New Year’s Eve weekend.” “ es writen in everyday lan- uage that anyone can under- stand, doesn’t take a genius to figure out, and really makes it clear cut and easy to follow. “{looked forward to each installment as it came. I've ‘worked for twenty years in the mortgage industry. 've approved many millions of dol- lars of mortgages for people and always wondered when it was going to be my turn, when I was going to be able to afford a house. “Within about nine months of starting on the program, | was able to put a down payment on a house and we moved in on New Year's Eve weekend. So it really helped me achieve my goal “Success to me means being able to care for myself ‘and my daughter. It means being able to provide for her financially and emotionally. And the less insecure you are about your financial future,the happier you can be and the more you can give to your children. 2? “Deborah Imondi, Rhode Island someone were to ask me, Conrad, would you go ahead and buy the Hume investment course again, | would say, ‘Yes, in a minute,” because that's just the fact. can do a lot more things with my money after going through the course than I could before You know it just opened all kinds of worlds to me. | see a few trips to Hawaii, a nice car coming up, and | keep working with the course and | can see some real big things coming my way.” ~Conrad Sarnowski, Ohio 14 “It turned my life around. | could read it and it spoke to me as someone that wasn't infinance. There's certainly security in knowing that | have some money in the bank and that | also have property. | think that it's just a nce feeling to have that kind of security. It's just wonderful to come into your own house. You can paint it whatever colors you want. You can do with it what you want. You can do anything with the garden. There's just something very personal about having your own space. | can do more things. | can have more things. | can send my daughter to a good school and can give her some things that | never had growing up and that's very impor- tant to me, too.” Julie Brown-Modenos, California “Being an educator, believe] the material was put together very well. It's in ‘small, bite-size pieces.” “it’s very easy to just put your money into a bank ‘account, but when you're only earning four to six percent and with inflation, that really doesn't do the job. “So, to be able to realize a fifteen or twenty percent increase really is a great benefit to me and to my family. “My retirement program alone is going to make things a lot easier for me in the future. “I'm anticipating raising my income considerably and with that will come the chance to spend more time on the Chesapeake Bay.” Howard T. Smit, Delawarethe biggest mistakes people make in planning for their retirement—and the tragic consequences. You'll understand why so many retirees want to keep their hand in a small consulting or other practice during retirement, and how you can do the same to generate a nice extra income. But The Most Important Investment Principle You Will Ever Learn Is... ..the one I've already shared with you in this article, And that is, you really can become a millionaire, but only if you will ‘open your mind to the possibility...set yourself a goal...and follow a simple plan for achieving that goal. One reason many people will never become millionaires is that they simply refuse to believe they can, In one sense, at least, they're absolutely correct. They never will be millionaires because they refuse even to consider the possibility. So they'll never take the steps needed to turn a $1,000,000 goal into a living reality. But you must resist 1 human tendency to say “impossible even before you examine the possi: bilities. And that’s all the good peo- ple at Hume Publishing ask that you do—merely examine a free lesson in the program before you decide whether to go further. Accept Your First Lesson FREE Because this program really will ight a fire under you and make you much more motivated than you've ever been in your life, my friends at Hume Publishing simply want to get the first lesson into your hands. Once you've got it, they're convinced there will be no stopping you. So they're making it as easy as possible for you to get that first lesson, In fact, it’s yours absolutely free, with no obligation to return it. If you respond now, you'll also receive, with Hume's compliments, the special bonus report, “How to very Start Investing With Just $1,000.” This fascinating report gives you dozens of no-nonsense money-mak- ing ideas, tips, and checklists that show you how to start small and win big! ‘Along with your introductory package, you'll also receive Lesson 2. Look it over at your leisure, as well. If you are not completely satis- fied, if you decide for any reason not to continue in the program, return only Lesson 2 within 15 days at Hume’s expense. You’ll pay nothing, owe nothing, and have no further obligation. And no salesperson will ever call you. No matter what you decide, your first lesson will be yours to keep free. If you decide that, yes, you would like to continue with the program, each lesson is only $10.95 plus 95¢ shipping and handling. Future lessons are sent to you two at a time And you're not committed to accept ‘any set number. ‘And that's the deal. It’s an irresistibly attractive offer because you needn’t decide whether to say “yes” or “no” about the pro- gram until after you examine your first lesson free...and see for yourself how powerfully it can get you right on track to become a millionaire. What You'll Learn In ‘Your Free Lesson All by itself, your first free lesson is a mini-education in successful investing and money management techniques. Let me give you a brief overview. In your very first free les- son, you'll discover... CF Where to find an extra $2,500 to invest every year—money you never even realized you had, 1 Why your most important step on your journey to wealth is the first step—making a commitment to become rich. 1 Simple money management prin- ciples that will let you live richer immediately while also freeing up much more money to invest. 15 “We reduced our personal debt by over 2/3rds.” “(found that SUCCESSFUL INVESTING & MONEY MANAGE- ‘MENT was extremely helpful in clari- fying key financial concepts and terms. Subsequent to taking the course, my wife and | established a budget and reduced our personal debt by over 2/3rds and are in the process of buying our first home. We are also planning for our retire- ment and our baby's future. Thank you for providing an affordable way to enlighten people on these con- cepts.” David Gertis, Missouri “Increased my monthly savings by 200%... found your course to be very interesting and easy to under- stand even though | have no busi- ness like background. With the sim- ple concepts taught in only the first two lessons, | have managed to increase my monthly savings by 200% and at the same time drasti- cally reduce the interest payments on a personal loan.” “J.D. O'Neill, Ontario “found SUCCESSFUL INVESTING & MONEY MANAGE- ENT very useful as a resource for arch on investment prablems. The material gives excellent instruc- tion in these matters.” Giles Isaacson, Washington “Much more than T expected.” “hold a degree in economics ‘from a major North Carolina univer- sity. Therefore, | have had many investment related courses. | had to ‘take the Hume course before | could gain a complete understanding of ‘the material. Hume's course should replace the college courses!” “Robert Mason, North CarolinaWhy reducing debt can be one of the best investments you can make. A simple plan for doing it painlessly. How to battle the “commitment killers” that keep you from mov- ing toward complete financial independence. ive low-risk investment oppor- jes you can take advantage tur of right away. How to select the investments that are right for you. How to maximize your return on your investments. Example: Five ways to make more money at your bank How to change your goals and shift your investments to help you meet these new goals. Sound financial habits to start now. They'll make you richer every month for the rest of your life. Believe it or not! How to get your tax refund in advance. How to knock down the interest rate you're paying on your bills. Refinancing tips and traps. Six basic tips on buying CSBs. How to harness the fortune- building power of compound interest to build your wealth relentlessly. The million dollar machine, money A plan for being financially secure for the rest of your life. How to limit impulse buying and structure your spending. Alternatives to passbook savings accounts that can put more money to work for you immedi- ately. Six tips for buying GICs. ‘asury bills. Money market How to get the best deal on mortgages. OF Three easy ways to cut thou- sands off your mortgage pay- ments You'll find all this, and more, in your first free lesson. Since it's yours free, why not 2 You have nothing to los one simple lesson could eas- ily change your life for the better. Indeed, it could prove to be the all-important turning point in your path to financial independence. Your downside risk is absolutely zero, yet your upside potential enormous. You may never have a better opportunity than this to learn how to get rich and attain financial security for yourself and your loved ones. Enrollment Limited Exclusively To Those Who Sincerely Want To Be Rich ‘nrollment in SUCCESSFUL INVESTING & MONEY MANAGE- MENT is limited, in an unusual way. While Hume Publishing makes the program available to anyone who wants it, only a tiny fraction—per- haps one or two people out of every hundred who receive this invita- tion—will participate. Why? The others are excluded by the severest limitation of all—the limita- tion they place on their own future. For most people, a course is merely a course, an article like this just anoth- er item of information to be tossed away. They simply cannot see the great opportunity that lies before them in a unique program like this—an oppor- tunity to learn how to make their financial dreams come true. Of course, this is also why about 95% of the population fails to achieve financial independence by retirement age. continued on page 20 47 és I’m a minister. Money is not important to me, but taking care of my family is.” pastor an independent church, with no retirement program. | realized that if | were going to have any kind of retirement down the road, | would have to be in charge of providing. “So the Hume program helped me establish a retirement program which is growing at much more than the bank CD rate. “The mutual funds we are into are rated among the top five. So! ‘would say that at the present time wwe are looking at probably fifteen, twenty percent return. “Well I'm a minister. Money is not important to me, but taking care ‘of my family is important for me. Helping friends is important to me. And money is a medium of exchange. Our world is structured in ‘such a way that we have to have that medium of exchange. It's very important for us to be wise stewards of our money. And the Hume pro- gram helps us do that.” “The Reverend Barry Wit, PennsylvaniaMake Your Fortune in the ‘90s... _ Start with just $19 a week pendently wealthy. You can probably see it in your mind’s eye now — living in the home you've always dreamed of, perhaps a tree-shaded country estate. Or imagine the thrill of packing your bags and travelling — first class — wherever you want, whenever you want. But, if you're like most people, put that dream out of your mind, you say. “To make a fortune, you need a fortune.” To that, we say absolutely not true Anyone can make a million Each and every day sees new members join the ranks of the millionaires’ club, People just like you. Most did not have fortunes to begin with. In fact, most of the success stories we hear about are quite literally “rags to riches” stories — people with average incomes, big debts, mortgages, out-of-control credit cards. You can, read some of their true stories in this report. Yet all these people had one thing in common, A desire to become financially independent. And — even more important — the tools to make their desire a A: everyone has dreamed of being inde- Their first tool is the most important — also the simplest. Start with $1,000 The first $1,000 counts. And yes, you can still find plenty of solid, profit-producing investments for just $1,000. Take mutual funds, for example. These investment vehicles, which are simply large pools of investors’ money in which you buy a share, can have tremendous profit potential. The best compounded 10-year aver- age annual rates of return range from 15% to 18.8% At 18.8% your annual $1,000 investment will grow to $24,107 in 10 years — a 240% increase in your total cash outlay of $10,000, Not bad for an investment of about $19 a week! It’s easy to start All right! You have the desire to begin. Perhaps you can even find that $19 a week to build your for- iune, Now you need one other building block: know edge of where to find the best investments. And that’s where we'll help you. vesting Profits ‘Annual rates of return from 1976 to 1990. 2.98% 157% 103% ; HI ; COMMON SLAY LONG. WAGE consuweR | | | ‘STocks FBILLS-—BONDS-=—=NDEX PRICE INDEX Long-term investing in stocks, bonds, or T-bils through mutual [fun can bulyouoruneon ust 38 eek Along with your first free lesson in the Successful Investing & | Money Management program, Row bat you'll receive a free bonus report: seid How to Start Investing With Just $1,000. Ithighlights five of the best opportunities for the *90s for building your fortune... $1,000 at a time. Mutual funds, especially equity funds, will be among the best. You'll discover why, and how to start your own portfolio. | Then, once you gain confidence, you can diversify. You'll see: = How to decide what kind of investor you are, and how to act accordingly. 1m Where to put your money to create the founda- tion for a low-risk, but profitable portfolio. ®@ How to pick the winners like a pro (and avoid the losers like the plague!). How to avoid 6 of the most common and deadly mistakes for the new investor. ™ An 8-point checklist to quickly judge the merits of every investment opportunity you'll come across.“Groundfloor” opportunity described in your free bonus package. Even Bigger Explosion Coming In Small Stocks “The really big opportunities in the 1990s market will be in smaller capitalization stocks.” —Forbes magazine ver the long-term, smalll stocks have out performed large stocks by wide margins. Example: If your father had invested a thousand dollars 65 years ago in the largest stocks on the New York Stock Exchange, you would now have about $270,846. But if he had invested that same thousand dol- lars in the smallest stocks, you'd now have a staggering $8.8 mil- lion, Now is a particularly good time to consider small stocks, for three reasons. First, small stocks usually explode after a reces- sion. In every single one of the last seven reces- sions, small stocks have outperformed large stocks ng an average of more than 40% in the year ga following the recession. Second, many pension funds are now beginni more of their assets into smaller stocks, creat- shi If you had invested $10,000 in a small company named H&R Block just 25 years ago, your $10,000 would now be worth more’ than $4,000,000. Such is the potential of picking the right small irowth stocks. cases didn’t even exist 20 years ago. This is why Forbes says, “The really big opportunities in the 1990s market will be in smaller capitalization stocks.” The Wall Street Journal adds, “If the past is prologue, investors in small stocks could be in for a rocket-ship ride over the next five years.” How to Invest Should you decide to audition the first free lesson in the Successful Investing & Money Management program, you'll also get the free bonus report: How to Start Investing a full 15 days. Lesson 2, “Profit the cornerstone of stock market investing with Just $1,000 along with Lesson 2 to preview for 1g from the Stock Market,” is The rise of small cap stocks is one of the major market 0 opportunities of this decade you how to start taking full advantage of this com- Lesson 2 will show \g powerful upward pressure under them. ng boom. It reveals: And third, as we enter recovery, small stocks can ™ grow so much faster than large stocks. It's simple = arithmetic. It's much, much easier for a small firm to double or triple its sales and profits than for a mature giant like IBM, Sears or Exxon, whose fast- growing years are long behind them. ‘As Investor's Daily puts it, “The stock market is sending Corporate America a message and the = words are very clear: Make way for the younger generation. “As huge, well-established companies struggle to shrink bloated organizations and reinvigorate businesses that peaked years ago, hundreds of new companies are raking in profits and hiring new workers as they move into businesses that in some ‘Why and how stocks are traded, Your aptitude for stock market investing through a unique 15-point interest-money-aptitude-time (IMAT) profile. How to get your stockbroker to work for you, and how to avoid the five most common mis- takes of working with a broker. How to place orders. There's more to it than just picking up a phone. The wrong type of order could cost you plenty. ‘The one order to use on shares trading at less than $3. The ins and outs of the business page. By the time you're finished, you'll know how to speak the language of the market, 19