Permission to become a Millionaire!

But why on earth do you need MY permission? Allow me to explain.

Right now, you may feel far from being a millionaire – and being seriously wealthy may seem a long way off.

Sure, you’ve thought about how great it would be to be rid of the daily grind, to wake up to the sound of gentle waves breaking on a warm beach, the dream of doing what you want, when you want. Yet it all seems a long way off...

But the fact is, you may well earn a million pounds in your lifetime. Most people earn it – and then just spend it.

Now I would like to show you a simple way to take this fortune and turn it into another fortune...the one you want to end up with.

Of course, there are two meanings to the word ”millionaire”.

Taken quite literally, it means someone with a net worth of a million pounds. That is, if you add up everything you have – your house, your pension, your investments, your savings – it comes to a million pounds.

But taken more generally, the word “millionaire” means someone who lives a luxurious way of life – with all the trappings that go with being rich.

A few years ago a study by Coutts & Co., one of our leading private banks, concluded that you need at least £2.6 million to live this type of “millionaire” lifestyle. Today a comparable figure would be nearer £3 million.

So to have a potential net worth today of a million pounds doesn’t mean you are swanning around the Riviera in your yacht – it simply means you have the future ability to live the way you want to.

Now perhaps you’ve done a rapid calculation – added up the value of everything you own – and concluded that you are already a millionaire – or well on the way to becoming one. But here’s the crunch: you’re probably including the value of your house in calculating your total worth...

Why you can’t count on the value of your house to create real wealth

For most people today their house is their single largest asset. And, as we know, property values have both soared and slumped over recent decades.

This is why you simply cannot rely on your house alone to be of much use to you when you come to retire. Even if you “downsize” you will have to buy in the same inflated market in which you sell. And anyway who is to say property prices will rise again? Unless you plan to move abroad to a low-cost country – and there are few of them left – you will most likely not be able to live off the value of your house.

And just how good an investment have houses been? THE FACTS: The average UK house cost £1,900 in 1955. Nowadays it costs around £164,654, even after the recent falls. Yes, a good investment. But compared with what? That same £1,900 invested in the FTSE All-Share Index would be worth nearly £1,000,000, again after the recent falls – even more surprising – that same £1,900 invested in a representative selection of smaller companies would be worth over £4 million!

Which brings me to my first question:
Why do you need my permission to become a real millionaire?

Strangely, most people don’t think in terms of building real wealth. They feel that it’s enough if they manage their money carefully, buy their own home and continue in a secure job.

It’s a sobering fact that most people spend more time planning their summer holiday than they spend on building real wealth.

It comes down to a matter of personality...which is why most people never become wealthy. They lack the “millionaire mindset”.

They simply haven’t given themselves permission to get rich.

It’s a mental block. To get over it I want to offer you two powerful tools:

FIRST – the “permission” to succeed – to develop your own “millionaire mindset”.

SECOND – the knowledge – the truth about how today’s world of investing and money management really works.

The “rich man’s” personality profile test

So take this simple test.
Please answer the following questions. Be honest. Don’t try to give the “right” answer...you would just be fooling yourself.

• First, are you naturally competitive? When you play games, for example, do you play to win, or just to pass the time?
  
• Do you feel it is your personal responsibility to take care of your family – financially?
  
• Do you have a deep internal desire to become wealthier?
  
• Is this desire strong enough that you are willing to devote 15 minutes per day to realise it?
  
• Are you capable of managing your financial affairs in a disciplined, organised way?

If you have answered "no" to more than one of these questions, then I thank you for reading this far...but I don’t think there is any point in reading further. Twenty years of experience tell me that this offer will probably not help you.

On the other hand, if you have answered yes to at least 4 of these questions...I do have something very important to tell you:

I believe I can help you become substantially wealthier than you are now.  

How wealthy? That is up to you to decide. For some people, wealth means just having an extra £2,000 or £3,000 of income each month. For others, it means being worth at least £10 million.

And for others, it just means being free from financial worries – being able to take a dream holiday – to go wherever you want, whenever you want. Or being able to buy that expensive new Jaguar...or a ski chalet, or whatever pleases you.

But if you have to make do with just the money you earn while working, you know you will never be able to realise these desires. Unless you have a truly exceptional salary, your income will never be enough for more than covering your expenses, and maybe fund a small pension – not a lot more.

There are simply not enough hours in a working day!

This is why it is vital to develop your own “millionaire mindset” and to get it working for you – so that you can build your capital 24 hours a day...even while you sleep. I’ll let you decide what level of wealth you want for yourself and your family. The important thing is this: it is within your reach.

You see, there are two, and only two, vital things you need to build wealth. Most people lack one or the other of them. And if you do not have the personality, frankly, there is little I can do for you.

But if you have the “rich man’s” personality profile, I can supply the second half of the formula...the know-how.

But first, a word of warning...

Wealth does not happen overnight; nor does it happen by chance.

Instead, it is a matter of deliberate action.

First, you have to make the decision to build wealth.

Then you need to acquire a few proven techniques. And then you need to apply them systematically over time. If you do this, you will grow richer – automatically. Little by little at first...then, astonishingly quickly.

That’s why every “I’ll get around to it later” you say to yourself, can cost you many thousands later on. Because wealth needs time to mature. It’s a little like planting an apple tree. Every planting season you miss delays your harvest by an entire year.
It will take time for your financial plan to bear fruit too. In fact, it usually takes many years for a person to become wealthy. But don’t let this discourage you. Because you’ll be amazed at how quickly you could start to see the results after you take action.
Just listen to these comments from other people in the wealth programme:

• “Through your advice my investments have increased by over £30,000 in 6 months.” – G.H., West Bridgeford
• “...made a 25% profit in the first 10 months, which had increased to 126% after almost 14 months.” – R.S., Northampton
• “I have already increased the amount of interest received on my savings by about 40%.” – C.S., Coningsby
• “Marvellous!... My eyes have been well and truly opened.” – C.F., Hastings

What’s more, suppose it does take you 5, 10 or even 15 years to reach financial independence. You may say to yourself...oh, but I’ll be 5 or 10 years older! Yes, that’s true. But how much older will you be if you don’t increase your wealth? Exactly the same age, of course.

Unfortunately, if you don’t have the money you want and need...you may feel the weight of age much more sharply. You may have to worry about how you are going to pay your bills...or how you will enjoy the retirement you’ve always wanted. Having met your financial objectives, on the other hand, will, at the very least, take that kind of worry off your back.

You’ll step a little lighter, and feel a little better, knowing that you have taken care of that part of your life as you should!

Two similar men.
Two different lives.

Here are two men with a family. Both of them are forty-something. They are friends, and live in the same city, in the same neighbourhood. Both of them are working in a large company – and they earn roughly the same amount. Nice cars, comfortable homes.

At first sight, you could say they have been equally successful.
But if you look closer, one of them has a hidden advantage. Instead of taking his kids to the Costa del Sol for holidays, he takes them to the Caribbean and the Far East. He has paid off his mortgage, and has just bought a chalet in the Italian Alps.

He is not worried about tomorrow; he has put enough money aside. If he wanted, he could retire right now. He is more confident, more relaxed, more comfortable with himself and with the world. His step is lighter.

Yet each is working as hard as the other. And they had the same education, the same opportunities to prosper...

So...where is the difference?

A few years ago, one of the two friends decided to dedicate some time to money matters. Not only to savings and how to preserve them, but also how to gain financial security. How to go from small to large and solid.

In less than 15 minutes a day, he learned, progressively, the secrets of how to gain prosperity.

Our two friends both spend a similar number of hours at work during the day. But one of them also has his money working at night. In fact, his wealth is building 24 hours a day. He has already left his friend far behind, and he is increasing his lead every year.
He has the easy confidence of a man in control of what is important to himself and his family.

Two American researchers studied millionaires

Since money is such an important thing, it is astonishing how carelessly most people approach it. As soon as money is concerned, they become irrational. They leave it to chance. They try a bit of something here, a bit of something there. They ask their cousin or their accountant for advice; they follow a tip they heard on TV...

Very few people take the trouble to look at the subject seriously. They think they do not have the time...that it is too difficult.

Two researchers, Thomas Stanley and William Danko, conducted an in-depth study of people who have made a fortune. They wanted to know why some people became richer, and others not. They studied people who consider themselves “millionaires”...and they had a few surprises!

First of all, just like the two friends, it is not easy to tell the “millionaire” apart from common mortals. Seen from the outside, they are similar and often appear to live in quite the same way. They work in all kinds of fields: doctors, farmers, company employees, bosses of small firms, traders, shop owners, executives...Really, the sector in which they work is of no importance whatsoever. They have accumulated enviable wealth without winning the lottery or inventing anything. Without being a football headliner or a pop star. They succeeded without doing anything exceptional. They live and work just like most people...

And yet they are financially independent!

As they went about their studies, the researchers discovered that these wealthy people had one thing in common: they had at one moment made the choice to learn the secrets of financial success. Because it is possible to learn those secrets.

Success is not about working more. The day has the same number of hours for everybody. In a nutshell, the secret is to make your money work – all the time. Even with a small amount of starting capital (most millionaires started with minimal savings), it is possible to build substantial wealth.

In fact, your money is working day and night, 365 days a year. No holidays, no sick leave, no strikes.

How to become rich with one very unusual pound!

Imagine that someone comes to see you, and offers you to choose between:
— A cheque for £50,000.
— Or just £1. But not just any old pound... A pound that doubles every day for a month.

Hmm... You hesitate. Maybe it’s a trick question. Let’s see, £1, then 2... then 4... then 8... 16... 32... 64... After a week it’s only £64. Better take the £50,000.

Well, guess what? if you picked the £50,000, you would make a big mistake. Because after a month, the £1 has multiplied to over one billion pounds! This is what we call the “miracle of compound interest”. And it is one of the secrets that lead to the accumulation of wealth.

But everything depends on the way you set it up: this is one of the things you will learn in the “Successful Personal Investing” (SPI) programme.

Some shares are better than others

Let me talk about shares for a moment. When you think about it, shares are extraordinary instruments. They allow people like you and me to become joint owners of some of the most successful companies in the world. Even after a whole lifetime of relentless effort, it is extremely unlikely that you would be able to start a company such as Tesco, for instance. You’d need extraordinary luck, and generations of work.
And think about the American giant Coca-Cola, which was born about a century ago. Today, the whole world drinks Coca-Cola. By taking advantage of the opening up of China, the company has been able to increase its activity considerably. And with its billions of dollars of profit, Coca-Cola can afford the best managers.

Obviously, you never imagine for even one second that you could create a company such as Coca-Cola...even if you dedicate your whole life to it.

Or you might dream of developing a high-tech business – say new ultrasophisticated software for the internet – the ultimate technology. But what chance do you have to succeed?

Yet by owning shares in well-run, responsible companies, you’re instantly a co-owner of the best companies in the world. Much better than you would be able to create on your own. The best products, the best managers, the best technologies.

Owning shares means investing in the future. For instance, if you had invested £1,000 in the shares of resource stock BHP Billiton in Jan 2008, they’d have been worth £1,269 less than six months later.

But if you had invested £1,000 in HBOS, you’d have lost £593.

You might think that you have to be very intelligent to select the right shares...but consider the following:

In general, people buy shares the way they manage the rest of their finances: a tip here, a tip there. They get carried away with the latest fad, or dotcom shares, or Southeast Asia, or whatever. It is pure chance... no precise plan...

Yet research shows that certain kinds of shares systematically beat the others over the long term. In a study covering the last 80 years, analysis proved that these high-performance shares have systematically beaten ordinary shares.
Moreover, these high-performance shares were easy to identify by two simple and obvious characteristics. Two minutes can be enough to spot them when you know how!

But this is where things get really interesting...

Remember a few years ago when shares were going through the roof? Everybody seemed to be making lots of money – at least “on paper”. But the real winners were those who knew when and how to leave the market at the right time – taking real money with them.

It doesn’t need a great deal of intelligence or guesswork. SPI shows you a simple way to lock in profits and automatically signal when to sell... you’ll learn more about this in a minute...

For now, let’s get back to what we have just seen.

First, financial success is based on two essential factors: the right personal profile, and the right know-how. If you have the former, I can provide you with the latter.
We have also seen that people who succeed have two secrets – and techniques that make all the difference between financial success and financial anxiety.
For example, you’ve seen how you could have made a profit of 26% within six months by buying the shares of BHP Billiton in January 2008.

“That’s great” you say.

Yes, but by using one of the techniques explained in SPI you could have bought BHP Billiton “options” instead of shares, for 277p and come out with a stunning profit of no less than 99.1% – in less than six months!

Know-how like this allows them to make their money work 24 hours a day, while they are sleeping or while they are on holiday. Because they use the right techniques, their money multiplies even faster...

...Which allows them to gain the financial freedom to choose the life they want to lead, without having to make major sacrifices.

Now let me tell you how to acquire this decisive know-how. Because you can’t be sure that your bank manager, or broker, or accountant will give you reliable direction. For good reason – and this is important to grasp:

1) Their livelihood is based on selling you their services.
2) Their interest lies in selling you more and more of them.
Full stop.

And do you think they’ve taken the trouble to thoroughly analyse the way people become financially successful?

In fact, almost no one has looked in-depth into how people become wealthy, and even less, offered to teach you.

Why? Simply because nobody has as keen an interest in your financial success as you have.

This is so very important. Your financial success is more important to yourself than to any other person in the world.

Many people expect the government to take them under its wing. They hope the politicians will stand ready to help them when they need it. Of course, that’s not unreasonable, what with all the money we pay in taxes.

But here comes the bad news. In spite of the considerable sums the government collects, there will simply not be enough in the future to fund pensions and unemployment benefits at a sufficient level.

Yes, politicians are generous with their promises. But will they be able to keep them? Something has to give, or the pensions industry will be in even deeper trouble in 20 years’ time than it is today.

This is another very good reason for YOU to start taking charge of your own financial future.

You are in the best position to do that. Really, you are the only candidate, and with some training you can become your own adviser. The best you could have, in fact.

You must build wealth progressively, wisely

You have probably heard about those sensational plans promising that you’ll get rich overnight. Of course, they very rarely work. The same goes for speculation or gambling or lotteries.

It is true that they can be amusing on occasion. But you will surely not want to bank your financial future on them. The truth is that to become wealthy, you must take time into account.

Even more important, you need a plan and discipline. A chore? Not really. Because even though starting is slow, it will soon become fascinating.

The aim of the Successful Personal Investing programme is to get you to accumulate capital of a million, at least.

FIRST – You’ll be surprised at how much “hidden” money you can uncover every year to invest. Money you probably don’t even know you have.

SECOND – You’ll see how easy it is to learn how to evaluate personal pension plans... ISAs... shares... property... unit trusts... fixed-interest investments... simple strategies that can slash your tax bill... the “cash cow” areas of investing and money management.

THIRD – and maybe most rewarding, you’ll learn in detail about a number of crafty but simple behind-the-scenes techniques that you don’t usually get to find out about at all. The kind that can often boost your results 20, 30, or even 50 per cent or more – sometimes in just months – not years.

And once you have learned these techniques, it will become a pleasure to spend a few minutes on it every day...just to keep an eye on your “business”. A few minutes a day will be enough.

Einstein said that if you dedicate 15 minutes a day to studying any subject, you quickly become knowledgeable in the matter...and after a year, you are an expert!

The Successful Personal Investing programme is organised in such a way that you spend less than 15 minutes a day with it. But your potential reward is access to a lifetime of financial successes.

The programme aims to increase your know-how and your wealth progressively. Slowly at first, then amazingly quickly.

Here’s what P.M., Peterborough has to say:
“My net worth has increased by 44% the first year following SPI advice and is on line for another 30% to 40% gain this year – many thanks.”

And P.G., Newton Abbot:

“...the plainness of language makes it easy to follow. I’ve been making steady gains since I started...”

“...invaluable...” – H.P., Guernsey

Those who have done it show you how to do it

I am not asking you to take my word. It is not necessary. I will send you the first two lessons of the SPI programme. And you will see for yourself.

And if you decide this is not made for you, there is no obligation. You do not risk anything.

But I am sure that you will see that the programme is invaluable. Because it has already helped hundreds of others.

“...an £85,000 profit. I certainly wouldn’t have achieved that level of success without the help of the course. I simply cannot praise it enough.” – A.P., Bracknell

“Very impressive – straightforward and down to earth.” – S.B., Chippenham

How to use a simple “safety belt” to protect your wealth.

Did you know that professionals use a stratagem to protect themselves against sharp falls in the market? It acts as a safety belt. You take advantage of the rises of the market with complete peace of mind. But if prices start to fall, you are automatically ejected from the market, like a pilot from his damaged aircraft.

This trick actually allows you to choose the level of protection that you want.
Let’s say you choose 10%. And let’s say you take advantage of a hot medical stock – and quickly gain 100%. Your “parachute” would be programmed to eject you as soon as prices slip back 10%.

So, to continue the example, let’s say these shares go up from £1,000 to £2,000, then start to fall and reach £1,800. At that point your gains are automatically “locked in”, with an 80% profit. Even if you are asleep!

It is but one example among the numerous simple techniques that you will find in the Successful Personal Investing programme.

Decide with complete freedom

I claim to teach you the secrets that can pave the way to creating and managing a fortune worthy of the name.

And I’ll prove this to you without asking for one penny.

This is why I will send you the first lesson for free. Yes, as a gift. You will be able to study it at home quietly. Use it right away, if you wish. You will discover:

Methods to improve the state of your finances immediately...as well as –

– How to find “hidden” money to invest. Money you probably did not even know you had.
– How to use the “miracle” of compound interest.
– Why “gearing” is one of the keys to financial success, and how to make it work for you day and night.

These basic principles, these techniques and these tricks have proven themselves.

They’ve enabled thousands of people to acquire solid fortunes. Some of them learned on their own (most people never learn). And many learned thanks to SPI.

“I’m suspicious of ‘get-rich-quick’ schemes. But the course is not a bit like that. It’s delivered exactly what it said it would. I’m absolutely delighted with it.” – T.G., Devon

“...Truly independent...particularly the inside information.” – M.G., Walsall

A head-start on the way to financial freedom

You need time to become wealthy. And the SPI programme offers you a head start.
I will give you the first lesson FREE.

I will also send you the second lesson. Take your time to examine it quietly over ten days. If you are not entirely convinced that this programme to build your financial security is made for you, simply return the second lesson. The first lesson is yours to keep. You will have no further obligation.

Why should you accept this offer?

I am head of a unique organisation, Independent Research Services. Our small group has only one mission: to research, employ, and teach the step-by-step methods that enable ordinary people to build wealth without taking foolish risks.

We have been doing this for many years. We are completely independent.

We do not sell any unit trusts, or any other investments under any form whatsoever. We are not affiliated with any bank or financial institution.

The SPI programme offers you the practical know-how we have accumulated over more than 20 years...

Of course, not all who accept my offer are bound to become wealthy. But many can, and do. And many become very wealthy indeed. It is a great satisfaction for me. But obviously it can be even more satisfying for you.

If you have the right state of mind, you can make progress very quickly. In a few weeks you could accumulate £1,000 or £2,000, and maybe even more.

Watching your money grow will soon become your favourite pastime. It will be a pleasure for you to measure your progress. Your new-found confidence will give you a feeling of safety and control of your financial future.

You will benefit from the results of a well-defined financial plan. And once the strategies presented in the programme become clear to you, you will wonder why on earth you were worrying about money!

I am offering you a way to embark on this fascinating journey. The first step is absolutely free. I am the only one taking the risk (and I do so quite willingly, as I know by experience that you have a very good chance of success).

Welcome to the wealth-builders’ club.
Yours sincerely,

Peter Marshall,
Independent Research Services

P.S.: Don’t forget, the first lesson is absolutely free.

The only commitment I ask of you, is that you make the effort to review these lessons seriously...and put them into practice only when you feel confident and comfortable doing so. It could mean success for both of us. For me, because I believe you will find that the programme does exactly what I say it does. And for you, because you’ll see how wealth can be accumulated at a rate you would not have believed possible.
Imagine: you only have to take a simple decision...and follow a deliberate and methodical plan tailored to your means.

“You don’t have to have lots of time...I only ever spend about an hour a week on it.” – D.S.N., Southall

“...showing a steady return of 20% on all of our investments... Also, with your help we have a large apartment in La Manga, Spain...speed-boat...nice estate car left over there, all paid for, no income tax worries, money in the bank, and very little outgoings. And that’s not bad for an old lad of 73, who started off skint!” – J.H., Barrowford

“When I first received correspondence from you I was sceptical... after reading Lesson One I knew I’d made the right choice.” – L.M., Hampstead

“I vowed to take charge of my own finances, and I’ve never looked back. I think the course is brilliant and would recommend it to anyone.” – P.J.G., Leicester

What more can I say? It’s the decision to act that counts. Then it’s for you to see how far you want to go...