This is What's in it    

for You 

Lunch with Gaffer:Grow Rich on Your Pocket Change, the Step-by-Step Guide, and How to Avoid the Traps Which Cost Many Investors Their Shirts is the first piece of The Gaffer Wealth System designed by best-selling investment author and retired award winning stockbroker, Sydney Tremayne. It is guaranteed to help you to make predictable profits for you over the long term. 

The easy-to-read 213-page manual – too stuffy a description because it is actually an entertaining read people have said they find difficult to put down – is the core of the system. 

Written for complete beginners to intermediate investors, it also contains information unknown even to many seasoned investors. 

Gaffer, the multimillionaire lumber mill owner and lifetime investor, entertains three couples from different age groups to lunch each week in his house overlooking the hamlet of Cripple Hole Creek, population 209 according to the sign on the way into the community. 

They discuss the strategies that have made him wealthy through stocks and bonds. All teaching is in fast-paced conversation laced with humor. The private lives of the characters brings them to life and leads readers to keep turning pages to discover what happens next. 

The Must-Know Rules of Making a Fortune with Your Pocket Change is a 16-week, roll-up-your-sleeves work series that goes more deeply into the teachings initially presented by Gaffer. Here's what's included: 

• Segment 1 – A practical financial planner unlike any you may have seen before. It gets you to examine what is important in your future over which you have control, what you expect the most important parts of these to cost, whether you expect to keep the same home when you retire – 17 key things concerning your eventual retirement to consider.  

This is a working document you will use and adjust throughout your life to keep you on track for what is important to you. 

The same segment includes a calculation of income and expenses for each year of retirement and a handy inflation calculator showing potential living costs for whatever year you choose in the future. It's difficult to plan carefully without such a useful tool. 

And that's just the first week. 

• Segment 2 – Each week contains a refresher of things taught by Gaffer. This segment advises to keep your eyes on the need, not the money. It includes tables allowing you to calculate the result of average five percent, seven percent, 11 percent and 20 percent rates of return – from the most cautious to the most aggressive (and perhaps unrealistic).  

Most of all, it teaches about dreams and ways to make them become reality. The power of the mind is a strong force that can often make possible what seems impossible. 

It is about fixing that dream in your consciousness and keeping it there every day. Dreams are powerful motivators. 

But dreams must be realistic. However hard we dream the dream, it is unlikely we will ever be President of the United States (a thankless task most of the time anyway). The tables help to tell us whether our dream is attainable. If not, what adjustments can we make and are we willing to make them? 

The tables in this segment allow us to test our dreams. 

• Segment 3 - Assuming you have completed the previous two sections, you now have a rough idea of what you want, what it will cost, and whether you can make your dreams come true.  

This section shows options if your dreams seemed completely out of reach. It shows how ideas can be adapted without losing their central theme, allowing you to live a millionaire life without actually being a millionaire. 

Segment 4 – We are already far ahead of most people, even farther ahead of those people who have expensive financial planning carried out by professionals. We have used numbers, to be sure, but only to the degree we can see a very personal side of financial planning unique to us.

Because you understand your plan so well, better than anyone else not living your dreams, you can make adjustments to it that you know will be accurate for the moment. After all, life is about change and there will be many changes over your savings period. 

You will lose interest in some ideas and gain fresh ones even if change is not dictated by circumstances beyond your control. 

The simple tables have allowed you to say to yourself: I wonder if I could still afford to do such and such if I retired a couple of years early? Or, Could I reach my dream if I worked a couple of years longer? Or, I wonder if I could earn money on the Internet that would allow me to make my dream real? 

Each of the previous segments has required a lot of thought, energy, family discussion and work. You may even be wondering if you can keep up this pace on a weekly basis. 

The good news is that you don't have to. This week and most others just require you to absorb a simple message. To a large degree, they are refreshers of what you learned in the manual (the document with what sounds more like a discussion for a title), Lunch with Gaffer: Grow Rich on Your Pocket Change, the Step-by-Step Guide, and How to Avoid the Traps Many Investors Have Lost Their Shirts on. 

This segment allows a precise dollar value to be placed on your time. 

You see, in the first few years of any savings plan you may be disappointed by the slowness of progress. Ten percent of $1,000 saved over a year is not very much, especially when you consider that much of that money is invested for just the last few months. It may not even seem important enough to keep going with it year after year.

But give your savings time to grow and the Magic of Compounding takes over; the average annual gain on your money far outstrips what you are able to save.  

• Segment 5 – Making sure you are ready to invest successfully is the next step. That may sound foolish because it is a step often ignored. Isn't it true all you do is open an account, give ‘em some cash and make your bets?  

That's what most people do – and most people lose without proper mental preparation. They either fail to take full advantage of worthwhile opportunities or they fail miserably with those they try.

Developing the right mental attitude is essential. It comes from faith; not faith in my words, but faith in reality as you see it unfold. That faith must come from within you. 

When you suffer through a bear market and come out the other side in even better financial shape, then you become a true believer that the strategies you use really work. 

Then you will never again be afraid of a bear market, no matter how long or hard; you will not make the type of mistakes brought about by fear or by greed. 

Segment 5 also proves you don't need thousands of dollars to start investing in stocks – with methods that allow you to call your own shots with confidence. You won't even need to rely on mutual funds for management or diversification. 

• Segment 6 – Gains are reasonably easy to prepare for; no one would invest unless they thought there were gains to be had. But getting prepared for success in the stock market is also about preparing yourself mentally for losses that are bound to happen in the short term. Markets have this annoying habit of not rising smoothly!   

Here, we look at market psychology and why things happen the way they do. By understanding, you are better prepared to weather the storms – and this is something you must do if you are to profit long term with stock investing. 

Since we have no way to predict the future with any degree of accuracy, we must be able to keep a positive outlook for the long term result of our investment program. Understanding the long term expansion of our economy and the reasons for it should be encouraging. 

• Segment 7 – Finally, we get around to how anyone can choose a properly diversified portfolio that will make you a winner over time. Anyone! You don't need experience, insider knowledge or a crystal ball. 

All you need is good old fashioned commonsense. And a little guidance from Gaffer, of course!

One simple test (but insufficient by itself) is whether you would you buy Product A, Product B, or neither? 

You already have an advantage over the stock market. You can say, "Their products stink," and not invest in the company; the stock market cannot weed out poor companies until they have already lost a fortune for you and for themselves. They remain part of the overall average you are trying to equal or beat but you don't have to touch them.  

If you make a mistake – and we all do from time to time – don't let ego stand in the way of getting rid of shares in that company. Again, as nimble individuals, we can act faster most of the time than the market itself. We may lose some of the value in that investment but we should rarely lose all. 

The purpose of having a diversified portfolio is to protect against the occasional disaster; the shares in your other companies should soon make up the loss. The complete loss of one investment is just five percent of your total portfolio value if you have been rebalancing properly. (Rebalance? The course explains.) 

• Segment 8 – Here, we take a closer look at dollar cost averaging, its pluses and minuses. Tables show exactly how you gain over a one-time investment in a falling market but fall behind in a rising one.   

That's the cost of insurance – insurance, for example, against investing all your money in the summer of 2007 and suffering a drop of more that half by March 2009, and much more in some companies.

The segment offers a case history of two people who invested equal amounts in the same $27 stock but had very different outcomes. 

• Segment 9 –Think the Big Boys pay the same brokerage fees you do? Think again! Well, it's time to get even and pay no fees at all. Not even discount brokerage fees. Nada! 

This is something your broker will not tell you; if everyone knew, he'd be out of business. His commissions would go up in smoke.

It's something the mutual fund companies don't want you to know about, either. They depend on small investors who can invest just a few dollars a month across a diversified selection of companies. 

You don't need them, you don't need

brokers or mutual funds, and you can

save a bundle because of that.

We'll let you in on this dirty little secret, one worth a great many times more by itself than the cost of this course. 

• Segment 10 – True diversification puts the odds in your favor. So what is true diversification?  

Lists and the latest stock data on all listed companies are readily available free on the Internet. This data, combined with the knowledge you have gained from The Gaffer Wealth System, will put you on the road to long-term success. There are 215 industrial sub-groups listed under nine different sectors in the U.S. 

Under Consumer Goods, for instance, there are 32 sub-groups ranging from Appliances to Trucks and Other Vehicle. Clearly, you would want to avoid investing in both Major Auto Manufacturers and Trucks and Other Vehicles. They are too similar and likely to be hit by similar economic conditions. 

Each of the sub-groups shows a chart for the past one or five days (pity they weren't for longer), major corporations included in the sub-index along with market performance and detailed descriptions of the companies, and calendars of recent and upcoming events such as earnings reports. 

Dig a little and you find Leaders and Laggards and 15 different measurements of performance. Pay little attention to short term performance; long term performance is what counts. Companies, like people, can experience a flash in the pan result. 

We discuss all this. In the end, now you have a list before you, rely on commonsense. Then cross-check whether your choices are suitable with the list you will find in the reference material discussed in the previous segment. 

• Segment 11 – You will love this. It's another thing your broker will not tell you about because it is coupled with the strategy that avoids commissions.  

It will allow you to buy low and sell high – always, no mistakes. Ever! It is so simple a young child could do it. You will kick yourself for not having thought of it for yourself.

If your stock picks are just average, this will surely help you to beat the averages. It will be so obvious and clear that you will immediately have total faith in this strategy - as you will in most of the others.

This is a short segment – just three pages – but that's all it needs. 

• Segment 12 – Investing is a business. The stocks you buy don't know you own them. They are not even pieces of paper in most cases nowadays; they are computer entries. No one but you will be impressed by – or care about – what you do (though they will notice the new car in the drive).  

This segment discusses the pitfalls of emotional attachment, of excitement, of competition and trying to guess whether the current price of a stock is too high and will soon fall.

Don't even try for perfection or the very best choices. It doesn't matter over time, and 'over time' is when you wish to make your gains. 

• Segment 13 – Here's one way to measure whether a stock is right for your investment temperament.  

In this final piece about stocks, we also discuss margin and when it's okay to use it and the use of options and futures for insurance, not speculation.

Finally, we sum up the key rules for successful investing. 

• Segment 14 – Here we discuss the zany world of bonds, how they can be used to offset falling stock prices, and why they work in slightly offset cycles.  

In my opinion, this is a poor time to hold bonds. Interest rates are at their lowest point ever and cannot go lower. That means there are no further capital gains to be had, just capital losses. We discuss why.

We also discuss who should pay the most attention to bonds in normal times and why $1,000 Treasury bonds of exactly the same quality and maturity should have different prices and why the highest interest rates are not always the best choice. 

And a whole lot more in this sometimes puzzling field. 

• Segment 15 –Mutual funds are next on the list – what's good, what's bad and what's confusing.  

First, there is the staggering and almost incomprehensible variety. In October 2007 some 8,015 funds in the U.S. were registered with their national trade association. Add the different classes of many of those funds and the number rockets to some 18,000. That compares with 2,773 stocks then listed on the New York Stock Exchange.

Choosing a fund from this list is daunting but we give you some tips on matching management style to your own needs. 

Not a single mutual fund needed any sort of a bailout during the recent financial crisis. Maybe the reason is that fund fees and expenses take a startling bite out of your profits, a bite most investors are blissfully unaware of.  

You will be alarmed by the figures for the average U.S. stock fund and you will surely look more closely at those weighty annual reports from now on. 

• Segment 16 – Lastly, we'll show you some tax dodges that will not get you into trouble with the IRS. One small mistake and you could end up paying more than you need to. 

• 120 Minutes to Wealth Creation and How You Can Get There on Just Pennies a Day!  – Two hours of MP3 recordings in a series of five-minute takes for those who want something better to do than stare at inching traffic on the way to work. 

• The Millionaire Gaffer's "Wealth Secrets Revealed" – 23 special reports that go into greater detail on many of the aspects of Gaffer's teachings yet still at a simple, non-technical level.  

• The Millionaire Gaffer's Secret 22-Day Total Immersion Boot Camp to Retiring Rich!  –  A series of must-have streaming videos for those who prefer their information with their feet up and their laptop on their knees or via their iPod. These professional videos and their associated graphics give clear explanations aimed at helping you to the maximum success possible consistent with your comfort level and needs. 

A DVD version is available as a separate set of actual disks. I understand the size means it would have taken nine days and nights as an 'immediate' download! I had meant to provide this as a bonus until I discovered it would have been more like a torture! Now it has to be offered at no profit on a cost-recovery basis for those who are interested.

This is a truly comprehensive system and if you have read this far you are likely fearful you will not be able to afford it. A package such as this, given what it will save you in terms of costly mistakes and years of wasted time, might be expected to cost many thousands of dollars – and it would be worth every penny.

The problem with such a figure, though, is that many people in this economy would not easily be able to come up with anything like that amount. And the people starting with nothing yet most easily able to become millionaires often have young families, as was the case with me when I made my first 'investment'. Many of the more established people have lost half their retirement savings or more and are hanging on grimly to what cash they have left.

Perhaps a more reasonable price, given what you will make over an investing lifetime and what people might expect to pay, would be closer to $997. 

But that's still too high, I'm not comfortable with it … and I'm not going to play guess-the-number games with you. They annoy me when I see them. 

It's enough to say that I thought long and hard before deciding on the initial price. 

You see, if the price is too low, people think the information must be valueless - and it is far from that as you can see.

Coming up with a reasonable price for you and for three years of my work is a difficult balancing act. I want to create positive waves in the marketplace. I reveal some things a lot of people in the financial industry would rather I kept secret. I want to attract the attention of a lot of young people. So many aspects to think about!

So here's what I have decided: If you act quickly, I'm going to let you have the whole system for a crazy $127 on two conditions: 

• The price has already gone up once so you must act quickly before it goes up again – and it will. This is not some marketing ploy; and  
• You agree to write author@lunchwithgaffer.com and tell us how you are (or will be) helped by the content. If you can put your comments on video or audio, so much the better. You and your picture could be posted on this website.  

Is that a fair deal? Remember, this price is good for now and it comes with personal attention from me, not from one of my staff.

You need to go to the simple Order page and act NOW! 

PS: What did you lose in the recent market meltdown? The Gaffer Wealth System could have avoided the worst of that for you and you would come out the other end in a stronger position than ever before. This is no idle hype; I prove it. Would that not have been worth far more than a paltry $127?

PPS: What do you expect commissions to set you back over your investing lifetime? The amount is potentially staggering. The Gaffer Wealth System shows you how to avoid every penny of that expense? Do you suppose you will save more than $127 in livetime commissions?

PPPS: The average equity mutual fund takes between 29% and 34% of every penny you earn and even more if you leave after a short time. You know that is costing you way more than $127.

PPPPS: If I have not told you the complete truth, there's a one-year guarantee and I will personally give you double your money back. There are a lot of scams in the world; this is not one of them. Don't waste another moment; order right now!