Seeds of Wealth - Wealth Building for Your Children

Seeds of Wealth: An Incredible Wealth-Building Plan for Your Children
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2 Shoeboxes, a Few Dollars and 15 Minutes a Month...
Could Seed an investment Program for You children That Grows Into...

If you are worried about your children's financial future, please read this letter immediately. I am now authorized to offer you a highly successful program guaranteed to help your children develop good money habits and achieve lifelong financial security.

Imagine your child having $11,914 in the bank by the age of 10... $48,808 at age 18... $1,284,002 by 40...and $4,039,426 by age 50.

And it gets even better. Continuing with this program until age 65, he could enjoy a fabulous retirement with an incredible $29,707,298 in the bank.

The Seeds of Wealth program can make that happen. This easy-to-read book explains little-known techniques for teaching your children how to build a lifetime of wealth. By starting today, you will set your children on the path to lifelong financial security - with absolutely no risk on your part.

But you must hurry - because we expect the current edition of Seeds of Wealth to run out quickly.

The first 3,000 slots have already been filled by our elite circle of established members - the Agora Financial Reserve. And based on our conservative spreadsheet forecast, we expect the current edition of Seeds of Wealth to run out by the end of the year.

If we do have any additional slots available, they will most likely revert to the full price of $199.

As an added bonus, if you respond right away, we will also include FREE quarterly updates for the next three years.

These updates are invaluable in building a lifetime of wealth for your children. They will show you the real way to build and grow lasting wealth: over a sustained period of time.

You won't be trading like some hotshot speculator and throwing away a large percentage of your profits in broker commissions.

Instead, you will help your children grow a fortune in a responsible manner that can sustain them for their entire lives. In fact, you may want to add these recommendations to your own long-term portfolio because, as you'll see, even your financial advisers will be envious of the impressive gains that Seeds of Wealth subscribers are enjoying today.

By following the quarterly updates, subscribers over the last 3½ years have seen the Seeds of Wealth portfolio rack up 23% compounded annual gross gains - more than tripling the blue chip S&P 500 over the same period of time!

And all of those gains continue to grow with the Seeds of Wealth long-term, low-risk portfolio.

I'll tell you more about that in a second. But first, let me tell you why Seeds of Wealth is the best thing you can do for your children today.

My name is Addison Wiggin. I am the editorial director of The Daily Reckoning, a newsletter with more than 500,000 readers worldwide. I have written the Amazon No. 1 bestseller The Demise of the Dollar...and Why It's Great for Your Investments. And along with Bill Bonner, I wrote the New York Times best seller Financial Reckoning Day: Surviving the Soft Depression of the 21st Century, and our most recent book, Empire of Debt, has recently appeared on the New York Times best seller list.

Based on every shred of evidence we have compiled about the American economy, we believe your child's financial future is in jeopardy. Everything you've come to rely on to make ends meet - credit cards, home equity loans, even real estate - will not help your children when they will need the money most.

In fact, current trends in the American economy indicate that your children's financial security will take a roundhouse beating from growing debt and shrinking savings - courtesy of Alan Greenspan.

When Alan Greenspan started his policy of easy money, Americans got poorer - not richer. Since he became head of the Federal Reserve, personal debt levels rose from $28,892 for the average family in 1987 to $101,386 in 2005 - a jump of 250.9%.

In a desperate move to slow it down, the Federal Reserve has raised short-term interest rates 12 times since June 2004. And insiders like Toll Brothers have dumped nearly 2.2 million shares in their homebuilding company right before the company's stock tanked 14% - a sure sign that the real estate bubble has popped.

Unfortunately, many people have no safety net. In September 2004, the personal savings rate among Americans was just 0.2%. In China, it's 25%. And for every $19 an American earns, he spends $20.

Americans even buy homes they cannot afford. By mid-2005, nearly 50% of homes were purchased with interest-only mortgages - compared to 5% in 2001.

And personal bankruptcies have doubled in the last decade. Roughly 43% of American families spend more than they earn each year - meaning that the average household carries some $8,000 in credit card debt that is nearly impossible to pay off.

Thanks to Alan Greenspan, the American way of life today virtually ensures that your child will end up a pauper. But you can do something about it right now.

With Seeds of Wealth, your children will be fully protected every day of their lives - regardless of which direction the economy takes. Get the program today, and you can put them on a path with the best diversified investment portfolio, specifically designed to compound their wealth well into their golden years.

You won't find a better way to teach your children the value of saving and investing. And best of all, you don't need to know a thing about investing to get started! This program will not only educate and build wealth for your children and grandchildren... it can do the same for you!

Seeds of Wealth isn't designed for MBAs, CPAs or even CFAs. It's a straightforward, easy-to-follow program specifically for parents from all walks of life. You'll get an in-depth look at the challenges and choices you face when planning your child's future - everything from investing in sound, deep-value stocks and funds to financing college and guiding your children in buying their first home at the right price.

And it's all put in the context of your children's growth and development. As you read through it, you'll learn how to guide your children in the process of wealth accumulation. It's not hard. You can begin the program on behalf of your children from the day they're born. In fact, it's so easy, you can begin to easily involve them personally in the program when your children are as young as 5.

The key is that Seeds of Wealth shows your children how to be the primary creators of their own wealth. All you have to do is give them a little initial guidance - a time commitment of only 15 minutes a month. You don't have to be rich to get started, either. All it takes is just a few dollars a week.

With your investment in Seeds of Wealth, your children will have greater confidence in business and financial dealings when they become adults. They will know how to manage money, how to live within their means and how to identify a wise investment.

They will also be able to pursue their own paths without you worrying about them becoming financially dependent later on in life.

Don't make the mistake of thinking that your children don't need this kind of guidance.

Because above all else, money is a practical matter. It's an area where many of us leave our children behind - and totally unprepared for the future.

Even the brightest children with the best education can fall prey to economic catastrophes that are totally out of their control. But by simply following the few easy steps Seeds of Wealth recommends, you can help your children avoid the fate that confronts millions of young people every day...

With so many economic uncertainties, it's more important than ever that you give your children the best start possible. If you begin Seeds of Wealth now, your children can retire with a fortune of $29,707,298 by the time they're 65.

Can you think of a better gift to give your children than a lifetime of financial security?

Seeds of Wealth takes a common-sense approach to saving and investing that you can use right away. Before you know it, living within their means will become second nature for your children. And by the time college rolls around, your children could be sitting pretty on a generous tuition fund of $48,808.

Forget asking for student loans or begging for scholarships. Your children will have the ability to pay their way through college - instilling a level of confidence and self-esteem their peers can only dream of.

That's because research shows that adults who do not possess at least a bachelor's degree can expect to lose an estimated $1 million in salary over their lifetime.

In a world where American jobs are being outsourced to people ecstatic to make $1.40 per hour, a college education is the single most important first step in giving your children a professional competitive advantage. Without the Seeds of Wealth program, your own child could easily become one of those 48% of qualified students who simply cannot afford to pay tuition.

The risks are simply too great. Because rather than lose $1 million over their lifetime, Seeds of Wealth allows them to accumulate that much money and more by their 40th birthday.

You may think your children shouldn't learn the importance of saving money and making those savings grow with the right long-term investments. You might want to let them find out on their own... give them a chance to make their own mistakes and learn from them.

And if they get into a jam, you'll be ready to help them out.

Seeds of Wealth Testimonial

Well, you might find this hard to believe, but that actually could do more harm than good!Noted psychologist Gary Buffone says that the more dollars adult children receive from their parents, the fewer dollars they accumulate. By comparison, those who receive smaller amounts of financial assistance from their parents tend to accumulate more money.

This worst-case scenario was the topic of the cover story in the Oct. 19, 2005, issue of Barron's. It showed a sexy Paris Hilton with the headline "Your Wor$t Nightmare." The article went on to explain that rich parents' biggest fear is having their children turn into the next Paris Hilton - a spoiled kid who appears to have absolutely no appreciation for the value of money.

Another psychologist, Eileen Gallo, says that helping your adult children financially often backfires in a way that you never imagined. Her research concluded that when adult children take money from their parents, they can feel dependent, leading to feelings of resentment. And it gets worse from there...

Because parents become resentful, too, about having to constantly dole out cash to them.

And who can really blame you? If your annual income is in the neighborhood of $70,000 or more, you will spend a whopping $284,460 to raise a child from the time they are born until they reach their 17^th birthday.

But with Seeds of Wealth, you'll never have to shell out money for your grown kids. Instead, your children will embark on a lifelong journey of mature financial independence. And it will prevent them from joining the growing number of young adults who don't care about money - because they can always move back home!

Seeds of Wealth: Why 60% of 2005 College Grads Plan to Live With Mom and Dad - Again

In the old days, the end of school was the start of a brand-new life. Whether it was graduating from high school or college, kids found a job, found a place to live and became part of the "real world."

But that's not the case anymore. The lack of jobs, skyrocketing rentals and a mountain of credit card debt means today's graduates are finding it tough to make ends meet. For as many as 40% of recent college graduates, moving back home with their parents is the only option available to them. And a 2005 study found that 60% of graduates planned moving back in with their parents after college.

For many parents who hoped that the nest was finally empty, the return of the college grad can come as a rude awakening. Crossing your fingers and hoping for the best just is not good enough any more if you want a financially secure future for your children.

Despite your absolute best intentions, chances are you are raising one generation after another of financially dependent working-age children. And the saddest part of all is that grandparents are often left holding the bag.

Here's a startling revelation: 3.6% of adults 30 and older were living with a grandchild younger than 18. And 42% of grandparents living with their grandchildren are acting as the primary care givers.

That's right - a growing number of kids aren't raising their own children... but instead are letting their own parents do the job!

Just at a time when you are ready to travel, go fishing and play golf to your heart's desire, you could find yourself raising your own grandchildren!

Forget retirement - you'll need to keep your job to support another mouth to feed. And don't plan on buying a cozy little house for you and your spouse - you'll need all the extra bedrooms you can grab. That sporty little roadster you wanted? Kiss it goodbye - it'll be back to the gas-guzzling minivan for you!

Not only is it unfair, but it'll also come at a time when you can least afford it. Although you love your grandchildren dearly, you may have to confront some grim economic realities.

A study commission by the AARP showed that the price of brand-name prescription drugs surged 6.1% for the 12 months ending June 2005 - more than double the 3% rate of inflation. That increase will take a bigger and bigger bite out of your wallet. And don't think you'll be safe just because you're healthy now. Studies show that grandparents who care for their grandchildren are plagued by poor health more often than those who are enjoying their golden years!

Seeds of Wealth will teach your children financial responsibility, so you'll never end up paying for their mistakes. They'll be prepared for any emergency or crisis, and won't leave you stuck raising the grandkids all by yourself.

You won't find a more complete method of teaching your children the right way to save money. In fact, that's exactly why my longtime friend Justin Ford created Seeds of Wealth in the first place.

Today a successful financial writer, businessman and investor, Justin Ford has been a business associate of mine for over 12 years now. So I personally know he learned the importance of wealth and security the way many of us do - the hard way.

Growing up, Justin did not care too much about money. Like most young people, he managed to get by taking on small jobs while he and his friends traveled and experienced the world.

Suddenly, money was short, and more of it was needed. So he did what he thought was right. With little knowledge of money or business, he started an import-export operation where, as he put it, he ended up "exporting the little money he had to other people" and went broke. The next few years were spent in financial hell. With a family to support, heavily in debt, and a job that didn't pay the bills, Justin was forced to declare bankruptcy.

Determined never to have money problems again, he learned all he could about money and investing. He began reading about all the great investors, businessmen and wealthy people throughout history. He read and studied all the classic investment books and guides. A prolific writer himself with an interest in history and global cultures, Justin took on a job writing for a publisher of international investment journals. He loved it - and became one of the company's most successful investment editors and writers, with a knack for finding the best high-yielding investments here in the United States and abroad.

He began to invest in real estate with the same discipline he applies to his highly successful stock market investments. He shunned hype, promises of easy money and bubble real estate markets and investments, just as he shunned bubble stocks when he warned his readers to get out of tech stocks in 1999. His insistence on deep value and cash flow has led to seven figures in steady, low-risk profits.

It was also during this time he met dozens of successful investors and money experts - and he wasn't shy about asking them how they became successful and wealthy. He learned many of the most successful people he met had one thing in common: They learned the value of money and investing at a very young age.

On track financially himself, he wanted to make sure what happened to him would never happen to his children. So he began taking everything he'd learned from all the great masters of wealth, investing and business and put it into a "course" he was determined to teach his children.

The plan was simple: teach his three sons (at the time ages 3, 5 and 7) not only to save... but the value of saving as well.

The idea is so simple, I'm surprised no one has come up with it sooner. It's the perfect plan for helping your children build up the capital they'll need to begin a lifetime of wealth.

Whenever Justin's children receive money - whether as a gift, for doing chores or even running a lemonade stand - it's immediately split evenly between two shoeboxes. One shoebox is for spending money. The children can dip into it anytime they want for whatever their hearts desire.

The money in the other shoebox, however, goes into permanent savings and investments - no ifs, ands or buts.

The plan worked like a charm. And it was not long before his own children had more money invested than Justin had well into his working years!

When he told people what he was doing to secure his children's financial future, they wanted to know more. He'd tell them about the shoebox approach, and the simple strategy for savings...but he couldn't stop there. He wanted to go on and on about all the strategies for growing wealth and ways their kids could earn and save more money and build their savings into tens of thousands of dollars by the time they hit their teens, and hundreds of thousands of dollars by the time they began to raise families of their own.

So he began to organize all these ideas into a simple, readable plan that would allow any parent to help their children become rich with minimal effort. He included the lessons he had learned - both the hard ones from the many financial mistakes he had made, as well as the happy ones both he and his children were now benefiting from. He revisited all the best wealth manuals he had ever read. He went back to the dozens of wealthy and successful people he'd met in his investment writer career, prodding them for their best advice.

Seeds of Wealth is the end result - perhaps the most valuable wealth creation program ever designed specifically for young people.

There is also a hidden benefit to Seeds of Wealth that can make you fabulously wealthy.

You see, the lessons in long-term investing can be applied to your own portfolio. And these lessons are based on the deep-value investment techniques that have been proven successful time and time again.

In fact, as an author and commentator on the financial world, they are the very same investment principles that I advocate for anyone interested in building his own wealth.

And I have been heard on more than 350 radio shows and have appeared in mainstream publications such as MONEY, MarketWatch.com, The New York Times Magazine, Worth, The MotleyFool.com, The Street.com and CNN/MONEY.

The media always want to know what I think are the best investments in these dubious times. And I have to say, that the Seeds of Wealth program ranks among my favorites.

One of the major reasons I am so excited about Seeds of Wealth is that, by following the simple steps and guiding principles, any parent can build up a substantial nest egg for his own retirement.

Seeds of Wealth is the furthest thing you'll find from a get-rich-quick scheme. And yet it can help you and your family build real wealth faster than the highest-priced trading services on the market. Both you and your children will learn how to profit from the very same investment strategies that have earned billions for the world's wealthiest investors.

The Same Strategy That Has Made Buffett, Templeton and Soros the World's Richest Men

Not surprisingly, a substantial portion of the Seeds of Wealth program is dedicated to showing you and your child how and where to invest. Many of the world's top investment experts from many specialized areas of investing have lent their knowledge and expertise to this program. In fact, Seeds of Wealth's very own advisory board has earned many millions of dollars using the very investment and wealth-building strategies found in this program!

You'll discover these strategies aren't complicated or risky. The truth is, the heart of the Seeds of Wealth program is exactly like the strategy master investor Warren Buffett used to amass his $42.9 billion fortune. Buffett went bravely into the U.S. stock market in the early 1970s - when most investors were avoiding stocks like the plague.

Seeds of Wealth also follows the examples of greats like John Templeton. He went into the U.S. market and bought every value stock trading following World War II... and did the same thing buying Japan when it was super cheap in the 1960s and '70s. Billionaire George Soros used similar techniques to make his Quantum Funds - one of the best performing funds for 20 years (30% returns annually).

Justin's investment methods are nothing short of amazing. He's not interested in the 2-3% returns you'll get in a savings account. Forget the 4-5% from money market funds. As a minimum, he targets the 13% long-term returns the U.S. markets typically post after a bear market.That's enough to double each dollar you invest every 5½ years. With regular additional savings, your wealth can double and then double again even sooner. But he's proven you can do even better.

By consistently focusing on the deepest value sectors and regions of the world, you can easily expect your child to return annual gains of 18% or more.

And that's not just theory. For the last 3½ years, Justin has shown how his investment method works by giving specific investment recommendations.

I'll share the incredible results in the table below. But before I continue, it is important to understand that, in order to protect our current Seeds of Wealth subscribers, I cannot divulge the full name of our investments.

Now, this may look like a "cherry-picked" track record. But it's not. This is every single investment recommendation made by Justin in his quarterly Seeds of Wealth investment updates since inception in June of 2002.

We're all human, and no one has a crystal ball. But you can learn how to identify the most promising value-loaded investment sectors and regions in the world at any time.

In short, when you learn how to consistently invest your children's savings (and your retirement savings, if you so choose) in deep-value, long-term opportunities, you have an excellent chance of posting 13-18% returns or more on your total portfolio.

Those kinds of gains can turn modest savings today into an immodest fortune for your children by the time they're young adults.

Well, if your child simply begins to save an average of about $1 a day and gets the long-term stock market returns of 10% a year, he or she can have $500,000 at age 32. By contrast, an 18% return soars to $1.4 million. And instead of having $9 million at age 55, your child could have a safety cushion of more than $75 million!

Seeds of Wealth: A Program on Common Sense Investing That Can Make Your Children Millionaires

Despite my high level of investment expertise, no investment program I've seen paints such a clear and simple picture of the investment process. Read it, and any confusion and apprehension you've ever had about investing will melt away. In fact, if you've ever wanted a "manual" on common-sense investing - one the average investor young or old can understand, with no gobbledygook and no pretension - then you'll find Seeds of Wealth as invaluable for you as for your children.

It's everything you need to ensure financial security for your child, including:

Seeds of Wealth may change a few of your own views about what it takes to consistently build wealth as an investor. It will certainly change your children's financial future for the better.

But far more important than money, the No. 1 gift that you will give your children is good money habits. They won't become typical unthinking consumers and wage slaves. Instead, they'll be stewards of their own wealth. As grown-ups, they'll understand how to save and invest wisely, because they will have been doing it their entire lives.

They can accumulate millions of dollars by the time they're your age - perhaps even sooner. And they can do that even if they choose careers such as teachers, nurses, firemen, carpenters... or other fields that can be personally rewarding but are not typically high paying.

Imagine what a relief it would be to raise children who work at jobs they love... yet are completely financially independent for the rest of their lives.

As you can see, Seeds of Wealth is more than just a book. It's a way of thinking that will forever change your child's life. And to make it even more invaluable, Justin has prepared some very special bonuses just for you...

The investment world is always changing - and no one book can adequately cover every possible scenario. But imagine if you had an investment professional there supporting you... feeding you tips, encouragement and advice... and providing you with real-time investment recommendations every step of the way.Well, that's exactly what you get when you own the Seeds of Wealth program. That's because you and your child will receive the Seeds of Wealth quarterly investment report absolutely FREE - for three full years!

Justin provides new tips and advice for growing wealth for every member of your family. Each quarter, you'll learn...

You'll learn about the best funds for long-term success... where and how to buy them... how much to pay... and when to sell.

For example, you'll discover one area of the technology sector - fresh off a relatively long and hard downturn - that looks poised for a sustained period of growth. It's too early to tell how long the trend will last, however. Luckily, your quarterly reports will keep you up to date!

If sold separately, a subscription to these quarterly reports would be worth $49 per year. But you can get this ongoing companion on your child's road to financial success FREE - just for buying Seeds of Wealth.

Join the Seeds of Wealth program today, and you'll get a special report called How to Live a Millionaire's Retirement Even If You Thought It Was Too Late. It's designed for the millions of us who "forgot to get rich" and are now worrying about what kind of retirement is in store for us.

How to Live a Millionaire's Retirement Even If You Thought It Was Too Late is crammed full of highly effective strategies you can use to maximize your savings, generate additional income and get higher investment returns... all aimed at helping you toward a comfortable and secure retirement nest egg - even if you're 40, 45 or even 50 years old today! In it, you'll discover...

You can't find this material in any bookstore. But if you could, I could easily see it selling for $49.

This guide - combined with the quarterly Seeds of Wealth investment report and the down-to-earth information found in the core Seeds of Wealth program - has completely reprogrammed the way I think about debt, saving and investing. And it will be invaluable in turning around your financial situation.

We will also provide you with a complementary subscription to our e-letter, The Daily Reckoning. As a companion to Seeds of Wealth, The Daily Reckoning encourages critical thinking about big-picture economics. It will help you (and your children) question the so-called conventional wisdom of prepackaged investment advice.

As I mentioned, Seeds of Wealth isn't simply about money. There are thousands of books and programs available for that. Instead, what you and your children will benefit from is a new way of thinking about money for a lifetime of financial security - even starting as young as age 5.

This Program Will Change Your Life and Make Your Children Financially Independent

I'm very excited about this program - and what it will mean in your children's lives. I hope you are too. That's why I can't urge you strongly enough to get Seeds of Wealth for your child or any child you care about. This is a program that will change both your lives.

How important is it to you to have your child grow up with a firm grasp on money matters - able to make all the right financial decisions from a very early age? How wonderful would it be to know your child will enter adulthood with a substantial financial cushion in place - able to better pursue the career of his or her choice... easily buy a car... own a home... and live securely and comfortably from day one?

I think you'll agree - this is an invaluable and important gift you can give to your children. What's more, you won't pay a fortune to provide your children with the kind of financial security I've described in this letter.

Because the program's intrinsic value is so high, we released it first to our group of elite investors in the Agora Financial Reserve. Now that all members of the Agora Financial Reserve have received it, I can make it available to you for just $99.

That includes the core Seeds of Wealth program... your 3-year subscription to the Seeds of Wealth quarterly investment report (itself a $49 value per year)... and the special report for you How to Live a Millionaire's Retirement Even If You Thought It Was Too Late (a $49 value).

By subscribing now, you will receive the Seeds of Wealth program and the special report How to Live a Millionaire's Retirement Even if You Thought It Was Too Late, which have a combined value of $395, for only $99 - a tremendous savings of 74.9%.

I am urging you to subscribe right now for just $99 (plus $8 shipping and handling in the United States)!

I can't guarantee that I will ever be able to offer the entire program and all bonuses for this low of a price ever again. But I can tell you this without hesitation...

I am so confident that you and the young people in your life will benefit enormously from Seeds of Wealth that I have arranged an unconditional return policy. If for any reason you're not completely convinced Seeds of Wealth will help you put your child on the path to financial independence and security, you have 365 days (a full year from date of purchase!) to return the program for a 100% refund. All you have to do is drop the book in the mail to me.

I believe this is one of the most valuable and important gifts you can ever give to your children. After all, it's not every day we're given a very real and substantial opportunity to make a profound difference in the lives of people we care about... a chance to take action and change the course of someone's life forever. I truly believe this is one of those times. Order Seeds of Wealth online today!

P.S. Remember, you will not find another program like Seeds of Wealth. It's the only guide I know of for teaching your kids the value of money... and the rewards of saving and investing. These aren't the kind of lessons taught in school. In fact, most children suffer greatly before learning them... if they ever learn them at all.

Give your children the head start they need to make their way in the tricky world ahead... and give them the power to build up a multimillion-dollar nest egg by the time they're ready to have families of their own. And you just may achieve a more lucrative, earlier retirement yourself than you had dared imagine. Order Seeds of Wealth online today.

To Trust, Or Not To Trust, The Banks Are In Question - 12/19/2005
by The Mogambo Guru “Gold’s rise has some investors dancing in the street, singing the yellow metal’s praises - while others, who don’t hold physical gold bullion are banging their head against the wall. The Mogambo Guru explains...”

Popular Delusions - 12/13/2005
by Addison Wiggin "So what do you do? You stick to the old chestnuts like 'buy low, sell high.' How do you know what’s low? Well, you have little help in making that determination, except for what has happened in the past. "

Looking Up... Down on the Pampas - 11/04/2005
by Bill Bonner "Investing in any country is a gamble. Not only have you know idea what cards might turn up, you also have a sneaking suspicion that the dealer may have one or two up his sleeve."

Investopedia - Includes the most comprehensive investing dictionary on the web as well as articles and tutorials on investing.

TeenAnalyst - TeenAnalyst.com is the complete guide to the stock market for young investors. The site features articles, contests, and a model stock index.

MSN Money - Investing and CNBC features investment tools like stock quotes, charts, a portfolio manager and much more.

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