Most of us spend our tax refunds, averaging $3,022. I invested my $3,000 a year in low-cost mutual funds. I use a special IRS tax-FREE trust to grow assets. My retirement income is FREE of income tax. "Only the little people pay taxes." Leona Helmsley The average American family loans their government $3,022 a year without being paid interest. They then spend $128 to $233 to get it back and then blow it as if they won the lottery. Meanwhile, 58% of us have little or no pension coverage. I started investing $3,000 (inflation-adjusted) a year in 1969, and have hit my goal of a $1,000,000 a couple of times. In recent years, I have been using a special tax-FREE account to grow my assets. I have also been converting my old 401k pensions into tax-FREE assets. I convert an amount determined by the amount of tax I must pay. When I start taking money out of my tax-FREE account after I'm 59 and a half, I will not have to pay federal or state income taxes on the money. That means I can spend an extra 25-30%. I may not need to pay income tax on my other income including Social Security. I know taxes will go up to pay for two wars and two GOP tax cuts. These deficits were not necessary in my view. Plus, now I know that the Mitt Romneys and Warren Buffetts of America pay only 17% total tax. 3/4ths of corporations pay nothing. GE even gets refunds from we taxpayers I want to show you how to use your refund-"wasted" money-to build assets and pay NO TAX in the future. You can take advantage of a low-cost trust that will pay tax-FREE income.

Earn 10-12% a year over time. Pay annual fees of only $50 per $100,000 invested. Pay NO advisor or broker commission/fees. Pay NO trading costs or taxes. Set up your investment policy in 1 hour. Let the miracle of compounding work for you. You can use the BEST long-term investment ever. It was proven successful by Warren Buffett. Mr Buffett started with $6,000 saved from his paper routes and in 60 years, accumulated $60 billions. Mr Buffett's successful strategy is called compounding. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Mr Buffett did not say wealth is about picking the next 'Apple' or leveraging derivatives. In fact, he lives in Omaha not Wall Street. Compounding high earnings over time is the strategy we should have learned when we started investing. Compounding is money earning money on its earnings when it is reinvested. KahnAcademy.org Invest your money in businesses sharing profits with you and over time you can reach $1,000,000. A special IRS-approved account makes your $1 million tax-FREE. Tax-FREE is like a $300,000 bonus from Uncle Sam. I will show you how to set this up in only one hour.

>Earn 10% to 12% on your mutual funds FREE of income taxes. >Avoid 1% to 3% fees and commissions on your account. >Use low-cost mutual funds that are well diversified. >Use a special IRS account to protect all your interest and gains. You don't need an advisor to earn $100,000, $500,000 even a $1,000,000 tax FREE You can do it yourself using the same low-cost high-return mutual funds that we industry "insiders" use. You already have the power to control the process they use to earn your first $1,000,000. After that, it is easy to double your money without income taxes or advisor fees. There is no reason why you can't become a Patient Millionaire. You can also use a tax-advantaged account like they do. You can compound your money into $1,000,000 with monthly contributions of just $250. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Simple but powerful AND you pay NO tax AND NO advisor/broker account fees for life. When you both invest $250 a month, $6,000 a year, in the stocks of successful businesses, you earn high returns. After 15 years, you could have $250,000 because the businesses pay dividends. After about 30 years, you could have $1,000,000. Over time, stocks of growing businesses outdistance most other investments. See page 13 below.

Accumulate $1,000,000 with NO taxes EVER. +Take $6,600 monthly income FREE of income taxes. +Avoid tax on up to 85% of your Social Security benefits. +Turn your taxable pension or IRA into tax-FREE income. +Use a special tax haven to protect all your earnings and gains. Isn't it time you started using the tax laws to your benefit like the people in the top 1% of income do? How does Warren Buffett pay only 17% total tax? http: //www.youtube.com/watch?v=Cu5B-2LoC4s. How does Mitt Romney pay less than 15%? You may not receive $21 million a year like Romney does but you can use a tax haven he can't use to compound your money into $1,000,000. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Compounding is money earning money on its earnings over time. Simple but powerful and you pay NO tax and low account fees for life.

+Use a tax-FREE account to replace Social Security cuts. +Earn 10-12% on your retirement money with no taxes or fees. +Spend 8% of your nest egg FREE of income tax annually. +Avoid the tax on up to 85% of your Social Security benefits. +Turn your taxable pension or IRA into tax-FREE income. Our Washington "representatives" want to cut our Social Security benefits (Chained CPI) to pay for their previous mistakes. Our contributions to Social Security and Medicare may be used to pay for two wars, two tax cuts for the wealthy and two Wall Street bank bailouts that some say were never needed. We must act now to take advantage of compounding with a special IRS account that shields our gains from any taxation. While the wealthy have their tax havens, we can avoid federal and state income tax with a working person's Tax-FREE trust. Using the investment strategy favored by Warren Buffett, we can compound high investment earnings to create a Social Security supplement of $500,000. Compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day.

=Earn 10-12% on your investments with no taxes or fees. =Use a tax-FREE account to protect all your earnings and gains. =Use your account for interest-FREE cash purchases. =Use your account to cover insurance deductibles. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett, billionaire investor Your total return in 2012 could have been 15.3%; better than Warren Buffett's 14.4%. But Warren Buffett pays only 17% total tax. Mitt Romney and John Kerry pay less than 15%. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Compounding is money earning money on its earnings over time. Simple but powerful and yet, few investors let their money compound. Most investors don't know about compounding. They don't realize that in 15 years, they could have $250,000. After 28 years, they could compound their money to $1,000,000. They don't have the experience as a silent partner in many businesses over time. They don't see dividends and share values accumulating. Investors don't realize that compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. They don't realize that compounding works best when you leave your money alone. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day. You can pay no taxes and no fees. This kind of investment return is very likely but not guaranteed. It is a risk . . . but a risk the wealthy think is worth taking using a sound portfolio. I will show you how to set up this portfolio without advisor or lawyer fees.

"The stock market is a device for transferring money from the impatient to the patient." Warren Buffett >Earn 10% to 12% on your mutual funds FREE of income taxes. >Avoid 1% to 3% fees and commissions on your account. >Use low-cost mutual funds that are well diversified. >Use a special IRS account to protect all your interest and gains. You don't need to do a thing to grow your money in the stock market. That's right. You don't need to gamble on the right stocks or advisor to earn $500,000 tax FREE You can do it yourself using the same low-cost high-return mutual funds that the wealthy use. The only thing you need to do is ... NOTHING. The wealthy don't sit in front of computer trading all day. They don't waste their money on products brokers sell. Also, now you can grow your money without income taxes or fees. Patience is all you need to become wealthy over time. People who know their industry know where to invest their money. They know which firms are growing. For instance, investors in Biogen, Qualcomm, EMC, and Kansas City Southern RR saw increases of 6,000% to19,000% in the last 20 years. However, sometimes they make mistakes, like Enron, WorldCom. Stock traders make mistakes too. Buying and selling is not investing. Most earn 2%--less than inflation Of course, if you knew anything about genetics, cell phones, internet or rails, you might have put your money in the right businesses. The stocks above tanked for a while but the lazy person who did nothing is now wealthy. Their $2,000 might be worth $300,000 now. Most us do not know which businesses will grow quickly in the future. We have to "settle" for the average returns of 10-12% a year. See page 24. Each of our $2,000 investments would be worth about $20,000 over 20 years in diversified funds. Don't gamble Invest and DO NOTHING.

Accumulate $2,000,000 from monthly contributions over time. Pay NO commissions, fees or loads to agents, bankers, brokers, or money managers. Use the simple time-tested strategy of compounding high earnings and dividends. Use a tax-FREE account-it is like getting $600,000 FREE. As a new investor, you are going to have to build wealth by yourself. The financial services industry, my industry, is not interested in your $250 a month to invest. My industry cannot make money on your investment of $3,000 a year. These days, Wall Street makes money by speculating with other people's money on derivatives that they make up for their own purposes. As we all learned from the crash of 2008, you don't want their help. Investors have learned from recent experience that Wall Street salespeople are NOT going to build wealth for them. Unless you are a wealthy insider already, speculating on Wall Street is NOT for you. You are going to lose if you give them your money. Investors have also learned that even cautious financial advisors are NOT any better at guessing the future of the markets than they are. Unless you have inside information like our representatives in Congress, you are not going to know what securities to buy to build wealth. http: //www.cbsnews.com/video/watch/?id=7388130n Fortunately, you can use certain simple steps to build wealth for the long-term. Any person who follows my 10 steps can become wealthy.

Accumulate $1,000,000 with NO taxes EVER. >Earn 10% to 12% on your mutual funds FREE of income taxes. >Avoid 1% to 3% fees and commissions on your account. >Use low-cost mutual funds that are well diversified. >Use a special IRS account to protect all your interest and gains. Isn't it time you started using the low-cost high-return mutual funds that pension fund managers use? You may not have the $ millions that pension fund managers have in their accounts, but that is no reason you can't Keep More of What You Earn like they do. You can also use a tax-advantaged account like they do. You can compound your money into $1,000,000 with monthly contributions of just $250. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Simple but powerful AND you pay NO tax AND zero advisor/broker account fees for life. When you both invest in the stocks of successful businesses, you earn high returns. After 15 years, you could have $250,000 because the businesses pay dividends. After about 30 years, you could have $1,000,000. Over time, stocks of growing businesses outdistance most other investments. See page 13 below. Compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you patronize every day. You Earn and Keep More

Accumulate $200,000, $500,000, $1,000,000 with NO taxes EVER. Financial power in the 21st century-tax-FREE income Use a special tax haven to protect all your earnings and gains Contribute $9 a day to your tax-free account Earn 9% a year on your wealth with no income taxes Spend 9% of your wealth with no income taxes Isn't it time you started using the tax laws to your benefit like the people in the top 1% How does Warren Buffett pay only 17% total tax? http: //www.youtube.com/watch?v=Cu5B-2LoC4s. How does Mitt Romney pay less than 13.9%? You may not receive $21 million a year like Romney does but you can use a tax haven he can't use to compound $9 a day into $1,000,000. Compounding high investment earnings is "the most powerful force in the universe." Compounding is money earning money on its earnings over time. Simple but powerful and .. no tax.

Protect all your investment earnings in a low-cost trust. Turn your taxable pension or IRA into tax-FREE income. Take $6,000 monthly FREE of income taxes. Avoid tax on up to 85% of your Social Security benefits. "Only the little people pay taxes." Leona Helmsley Mitt Romney pays less than 15%. Warren Buffett pays only 17% total tax. 35,000 wealthy households paid $0 tax. 1,470 millionaires paid zero taxes in 2009. Most middle-class Americans pay 25-30%. Most corporations pay nothing. GE gets a refund from you Your taxes will go up to pay for the tax cuts and two wars. You need to convert your assets into tax-free assets for the future. You need to take advantage of a low-cost trust that pays tax-FREE income. You can compound your money tax-free into $1,000,000 in 25 years. That can produce $6,000 a month income tax free Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Compounding is money earning money on its earnings-simple but powerful-and you pay NO tax ever. You don't need an advisor or lawyer. And the tax-free trust account is free too Compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day-Apple, ATT, Exxon, Coke.

How can we understand Warren Buffett's incredible financial success? Mr Buffett started with $6,000 saved from his paper routes and in 60 years, accumulated $54 billions-about the size of Bolivia's GDP. There are 116 countries' economies smaller than Buffett's account, according to CIA data. Buffett lost a couple of fortunes along the way too. What can we learn from Mr Buffett? Can we become financially successful by doing what he did? What would our lives be like if we had taken just one 'Buffett finances' class in high school? Even if we had learned just one thing from his example, wouldn't we be better off? YES, YES and YES. Mr Buffett already gave us his Investing Secret, at no charge. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett Compounding high earnings over time is the lesson we should have learned in high school math class. He did not say wealth is about picking the next Apple or leveraging derivatives. In fact, he lives in Omaha not Wall Street. Compounding is money earning money on its earnings when it is reinvested. KahnAcademy.org Invest your money in businesses sharing profits with you and over time you can reach $1,000,000. A special IRS-approved account makes our $1 million tax-FREE. Tax-FREE is like a $300,000 bonus from Uncle Sam Financial literacy has 10 steps to success with money. And, you don't need to know calculus to become independently wealthy. The steps are easy. Start your $1 million tax-FREE account in 1 hour by phone or keyboard.

Estimate your retirement income. Make a spending plan. Create an investment plan for 30 years. Create a tax-FREE income of $6,000 a month. Self-insure and self-fund your financial needs. Avoid tax on 85% of Social Security benefits. Avoid higher Medicare premiums. Do you know how much income you will receive in retirement? Do you know how much you will need to live on in retirement? Do you know how to invest during retirement? How much out-of-pocket medical expenses will you have? How much supplemental income will you need to overcome inflation during retirement? Now is the time to make an estimate of what you will have to spend so you can take action if you need to. Both of you will need to make an estimate separately since one of you is bound to outlast the other. The good news is that you can assure yourselves of a tax-FREE income since you have started reading this book. I want to help you estimate what your income will be in the future. If you have 15, 20, or 25 years until you stop working, you could accumulate $250,000, $500,00 or $1 million-all tax FREE. That is possible using the information I will share with you. You know that Social Security will eventually run out of money. You know that income taxes will increase to pay for years of tax cuts and two wars.

Double your wealth every 7-9 years. Earn over 10% with 10 low-cost mutual funds. Pay NO taxes and NO commissions/loads. No matter how much we earn, it is better to pay NO taxes and NO commissions or fees so our investments can compound at over 10% per year. Compounding high investment earnings is the most powerful force in the universe. Compounding is money earning money on its earnings over time. Simple but powerful. When we invest $250 a month, $3,000 a year, in successful businesses, we earn more than a bank CD. After 10 years, we have more than the $30,000 we paid because the businesses paid dividends and the market bid up the value of our shares of the businesses. See chart below. After 20 years, we could have over $200,000 and after 35 years, over $1,000,000. Over time, the stocks of growing businesses are the safest investment. Compounding works best when you put your money to work in successful businesses with no income taxes or broker/advisor fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones whose products you buy every day. I will show you how to set up your $1 million Wealth Account in one hour with only $9 a day.