THE PERFECT GIFT FOR KIDS!

You Can Help Your Children, Grandchildren, Nieces and Nephews Build a "Nest Egg" of $652,252 by the Time They’re 30…

And that's just a beginning... They could easily be millionaires many times over by the time they're your age!

You’ll be amazed at how easy it is. Especially when you learn how less than $1 a day can plant the seeds of life-long financial security for the children in your life. 

Dear Friend:

I'd like to tell you how you can do your very best by the children in your life--whether they're your children, your grandkids, God-children, nieces, nephews or the children of neighbors and friends....

Specifically, I'd like to tell you how you can help them plant the seeds to lifelong financial security and wealth.

How much wealth?  How about $652,252 by the age of 30, possibly more!  And all starting with less than $1 a day...

And here's something just as important: it doesn’t matter if you yourself are "financially secure" at the moment, or whether or not you make a lot of money.

This gift will make you a hero with their parents.  And if you're giving it to your own kids, they'll love you for it their whole lives. 

That's what Susan Jarvis of Delray Beach, Florida says.  Susan's dad helped her learn to handle money from an early age--and today she has no debt, owns her own  home outright and all-told has over a half-million dollars socked away. And that's even though she makes just an average salary working for the post office!  

But Susan loves her job (wouldn't trade it for an office job for all the world!) and even though she only recently turned 40, she's already financially set and is well on her way to multi-million-dollar retirement--even if she decides to retire early!

To this day, Susan will tell you that she loves her father for many things, but she's especially grateful for what he taught her about building wealth.  

And now you can create the same legacy for your own children or grandchildren, or the children of your siblings and friends...

How to Give the Children in Your Life Not Only the Gift of Wealth But so Much More…

Let me offer an explanation why most adults aren't as fortunate as Susan, and why many who even make a far larger income than she does... end up never having enough money in their lives.

It’s because of the habits they’ve developed from childhood. No one helped them learn and practice good money habits from an early age so that they wouldn't get into trouble with debt, quick-money-making scams and out-of-control spending habits as adults!  

But even if you aren't an "expert" in money matters yourself, you can help the children in your life learn good money habits that will create wealth-instead of debt their entire lives.  The answer is Seeds of Wealth.

Seeds of Wealth is a parent-directed savings, investment and financial education program for children that helps them practice good money habits and begin to build lifelong wealth at the same time.  

The program helps fill a tremendous gap for children since so few of us receive any real training in matters of money…

Instead, TV, magazines, newspapers and the radio all try to get you to spend your money. And they try to get you to borrow money at high interest rates so that you can make other people rich! Not for your own good…

But there are people who learn about money from a very early age. Many wealthy families, for instance, pass down money from one generation to the next. But they also pass down something much more valuable! They pass down the right money habits…

I’d like to show you how you can help your children master these habits. But I’ll also show you something more…

I’ll show you how you can get your children or the children of relatives or friends take practical steps now that will help them become financially secure at a very early age.

And it’s so easy, you’ll be stunned.

Building Wealth Is "Child’s Play"

You don’t need a college degree to help your kids grow wealthy. And you don’t have to know anything about "finance." In fact, knowledge alone will not make you wealthy.

I know stockbrokers and MBAs who have made a great deal of money during their careers – only to end up penniless or in debt. And it certainly wasn’t because they lacked knowledge.

They knew better… they just didn’t do better!

Why? Because they lacked the personal habits that could help them hold onto the money they made… and help them turn their good fortune into a greater fortune.

Seeds of Wealth helps children avoid these mistakes. First, by helping them learn a few simple "money secrets" the rich know – but 99% of the rest of us don’t.

Then – and most importantly – by helping them take small steps every day during childhood that will help them build wealth for the rest of their lives.

It’s a mix of straightforward knowledge and the right habits that form a very powerful combination. So powerful, in fact, that you’ll be able to use the same techniques yourself to retire with more money than you ever thought possible. (And I'll send you a special report to you to help you do just that... more on that in a moment!)

But even more importantly, you’ll help your children or the children of friends or relatives actually grow wealthy over time. They won’t just learn about it; in other words… they’ll do it!

And it will be easy for them. As natural as learning to brush their teeth.

And that means that when they’re adults, they’ll end up with much more than just money. Because the knowledge gained through experience is the strongest of all – much stronger than anything you can read in books or learn in a classroom. It’s something that becomes ingrained – a second nature of sorts.

By helping children build the right habits early on, you can be confident that when they grow up, they’ll have the knowledge, understanding and experience, to grow their wealth their whole lives long.

And they’ll have you to thank for it…

No "Silver Spoons"

Before I go on, I should make one thing absolutely clear. This program is not about spoiling or pampering children.

My boys do chores around the house just like I did growing up. They don’t do it for money – they do it simply because they’re part of the family. My wife does give them a small allowance, however, and if they want to earn a few extra dollars, there are odd jobs they can do.

For instance, my oldest son turned eleven a few months back and he recently began to mow the lawn. I was happy to give up the job and he gets paid $10 for doing it

Part of that he spends as he pleases… part of it (just like part of his allowance, birthday checks and other money he might receive) goes to helping him develop good money habits and build wealth steadily over time.

Save Your Children Years of Financial Struggle…
And Give Yourself Peace of Mind

Follow the program I'm about to show you in this letter, and your children won't have to go through unnecessary hardships as adults just because they didn't learn a few simple "money secrets" and develop the right habits when they were growing up.

Instead, by the time they're your age, they'll be able to benefit from one of the greatest gifts money can offer -- freedom.

By following the simple steps I'm about to lay out for you, your children can easily acquire substantial wealth by the time they have to pay the bills for their own families.

How much?

Starting with less than $1 a day, and getting just 10% returns (a little less than the average returns of the entire 20th century), you can help your children build a nest egg of $188,000 at the very least by the time most adults are only starting to really learn about money.

But it's more likely they'll have even more -- somewhere between $271,000 and $652,000 by the time they're 30!

I'll tell you how it all works in just a moment. But the point I'd like to make now is that as young adults, the children in your life can have wealth -- but so much more too.

They'll also have acquired experience building wealth. And they'll have an understanding of how to be responsible with money and continue to grow their wealth.

And that means when they reach their twenties and thirties they'll have options they might not otherwise have.

They'll be able to travel a little more, continue studying if they like, start their own businesses or pursue the work they really want to do, rather than just settle for the first "job" that comes along because they have to "pay the bills."·

In short, what I'm about to show you will help your children or the children of your friends and family use money to better their lives as they grow older. Instead of being overwhelmed by "life's bills," they'll have the financial freedom and confidence to focus on things that are more important than money!

Why the Rich Are Different

I consider myself an average person. I'm certainly not a titan of industry.

Financially, things are starting to go very well now. I'm fortunate to make a good living, and my income has been growing at a good pace over the last few years. But it was just about eight years ago that I went through the darkest financial period of my life.

My wife and I had gone through some tough times and we were separated for a while. Besides the emotional toll, this meant we had two homes to support. That was a big financial strain on top of everything else. And, to make matters worse, an export business I had went bust.

The result was, while I had zero savings and was starting a new career and trying to pay for two homes and a business that flopped, our debts just kept climbing. Soon, they rose to more than $67,000 – a good portion of that, high-interest credit card debt.

It was a terrible time. I was frustrated, angry, and humiliated.

I spent many sleepless nights.

But the most frustrating part of it was that it was at exactly this time that I was – for the first time in my life –really beginning to learn something about money!

I Was "Money-Dumb" But Then I Understood…

My degree is in English Literature, not business, so originally I had no "training" in money matters. But about ten years ago I started a new career that changed all that. It was with a company that publishes newsletters on investment.

I started as a copywriter, then became an editor and then a publisher. And before I knew it, I was poring over hundreds of financial books and publications, studying economics and finance at the graduate level, and I was working with some of the best financial analysts and economists in the business.

I have visited public companies, stock exchanges and government finance offices on four continents.  I have attended international economic summits and interviewed presidents, finance ministers and ambassadors.  I have personally hired, edited, published and worked with "money experts" who have been central bankers, advisers to presidents, and who have been published in The Wall Street Journal, Barron's, and The Financial Times of London… the most respected financial publications in the world.

And, yet, as brilliant as some of these men were, I could see that the absolute basics of wealth creation were not complicated at all. If fact, they're incredibly simple.

You don't need to be an economist, an investment expert, or a business major to understand them. You don't even have to be good at math.

All you need is the chance to learn a few powerful secrets about wealth creation that the rich know -- but 99% of the rest of us don't. Then you need TIME to make those secrets work.

And then you need just one more thing to put it all together…

You need personal habits that correspond to these truths. These habits are small and simple, but the longer you use them, the greater the result.

That's why I call them "seeds." If you plant them early, they can bear great fruit later on·

Let me show you what I mean:

From a Small Seed, a Mighty Oak Tree Grows

Put just $200 a year into a mutual fund returning 15% a year from the age of 30, and by the time you retire you'll have $268,524.

Not a bad sum…

However, if you did the same thing starting from the age of 20, you'd have $1.1 million!

In other words, you put in just an extra $2,000 ($200 x 10), but ended up with an extra $822,477!

Why?

Simply because you started ten years earlier…

But here's the truly amazing part:

By starting earlier still, you can help your children or those of your friends and family acquire a fortune of over $1 million by the time they're 35 -- let alone 65! And just as importantly, they'll have the habits and knowledge that will allow them to continue to grow their wealth their entire lives.

And it's those habits and that knowledge that I'd like to share with you now -- for the sake of your children -- in the step-by-step program I've developed called The Seeds of Wealth.

I Believe in this Program So Strongly
that I Won't Accept a Dime from You
Unless You're One Hundred Percent Convinced
It Will Help the Children in Your Life Achieve Lives
of Financial Safety and Prosperity

Seeds of Wealth is designed to help your children turn a portion of their allowances, birthday checks and chore money into a fortune of hundreds of thousands, even millions of dollars.

And the remarkable thing is it's so easy to understand and follow--and so affordable--that any child can do it.

To begin to plant their seeds of wealth now, all children need is for you or their parents to guide them through this simple, easy-to-understand program.

It doesn't take a lot of time -- less than half-an-hour a month.
The children don't need to start with a great deal of savings.  And they don't need to master any complicated knowledge at all.

How's that possible?

It's because Seeds of Wealth is based on three simple secrets very few people understand -- secrets I'm going to share with you right now·

Children Have Three Fundamental Advantages
Over the World's Greatest Investors

Warren Buffet is considered the greatest investor who ever lived. He went from being a young college grad with very little money to becoming the fourth richest man in the world! He has a personal fortune in excess of $25 billion, and he did it all from investing!

But there are three key areas where the children in your life have major advantages even over Warren Buffet, the greatest investor who ever lived!

Your Children's 1^st Great Wealth Advantage:
100% Disposable Income

Children have no bills to pay -- no rent, no car loans, and no groceries to buy. They don't have other people to take care of.

Yet, they do have income!

Even if it's just a few dollars a week, if you teach them how to save and invest a portion of that money with the Seeds of Wealth Program, they could easily have a six-figure "nest-egg" by the time they're 30. In fact, beginning with less than $1 a day, they could have over $652,000 by their 30^th birthdays!

That would be a nice present, wouldn't it?

And it will make an incredible difference in their futures!

It doesn't matter if it's just a few dollars from their allowances, lemonade sales and the occasional birthday check. I'll show you how your children, nephews, nieces or grandkids can turn these few dollars into a safe-full of wealth and security by the time they're old enough to need money.

Children's 2nd Great Wealth Advantage:
A Great Capacity to Learn

During childhood, we have a greater capacity to learn than at any other time in our lives. This, for instance, is why it's so much easier to learn a second language when you're very young.

But the same ability to quickly learn new skills and adapt to new conditions, can also have negative consequences…

For example, most smokers picked up the habit as kids. They yielded to peer pressure at a young age and, later on in life, so many of them have to struggle for years to "kick the habit" -- if they're able to kick it at all.

Our children, in other words, can quickly learn good or bad habits that last a lifetime. And that's why they need our guidance. Not only to love and provide for them, but to help them develop habits and skills that will serve them well their whole lives long.

And when it comes to money and material things, it's no different.

When Everything Is Not Enough

Growing up, you may have known kids who had closets full of toys and seemed to get whatever they wanted… yet ended up bored with each new gadget or toy within days of getting it.

They learned never to be "satisfied…"

On the other hand, you may have known kids who had comparatively little, and yet had healthy and fun-filled childhoods. They'd have a blast simply running around the yard, playing "tag!" ·going for a swim, playing catch with dad, roughhousing, playing cards, checkers, chess, Monopoly.

The point is, it's not a choice between "denying" or "spoiling" your kids. It's simply a question of balance.

It's about helping children learn how to live with the seeds they have, and plant some for growth.

And, again, the payoff will be much more than wealth…

As adults, they'll be able to avoid the unhappiness that comes from out-of-control consumer-based habits. And not only that, they'll be more confident and capable in all their practical dealings.

They won't acquire wealth only to squander it -- like so many movie stars and athletes we read about. They won't be easy prey for con artists. They'll exercise better judgment when buying cars and houses.

They'll be able to negotiate with a little more confidence, regardless of whom they're dealing with -- an Ivy-league hotshot or a fast-talking salesman.

In short, your children and those of your friends and family can learn to enjoy what they have all the more, even while developing practical skills for later on in life, and growing their wealth steadily over time.

Children's 3rd Great Wealth Advantage:
(To Make the Most of It, You Must Act Now!)

The third great wealth advantage your children have is the greatest advantage of all – It's time!

It's their single greatest advantage because nothing creates wealth like compounded returns over time. In fact, all the riches in the world won't buy you time--yet children have their whole lives in front of them

By using time wisely, you can help your kids, grandkids and the children of friends and family still live the same wonderful childhoods they do now -- but with the important difference that they'll also have a few dollars quietly building up into a fortune as they grow up.

To show you what I mean, let me tell you what one of the world's greatest geniuses called...

The Most Powerful Force in the Universe

Albert Einstein was once asked what the most powerful force in the universe was…

His answer?

"Compound interest!"

Now, Einstein was half joking, of course. People were expecting him to say something like "gravity" or "nuclear energy…"

But when it comes to money, what he said was absolutely true – because nothing creates wealth like money compounded over time. And, remember, that's one of the three great advantages your children have as investors. 

Let me show you what I mean... 

How to Turn a Few Dollars a Day into a Fortune

Seeds of Wealth lays out a simple yet incredibly effective savings, investment, and financial education plan that changes a little every few years as your children grow older. It's designed to help children of average-income and even low-income families make the most of the years that lie ahead of them.

(And, of course, if you're fortunate to make more than the average, you can help your children achieve financial security that much sooner -- this course works for everyone.)

Seeds of Wealth shows you how children can easily average just under $1 a day as pre-teens, and less than $2 a day through the age of 21. And then it shows you how to put those modest amounts into an investment account with low costs and high returns. For instance, let it grow by just 13% a year (roughly the average annual returns in the post-Crash years from 1932 to 1962, and just under the 13.2% average annual returns posted during the entire 2nd half of the 20th century, from 1950 to 2000), and…

Your children will have $55,973 after 21 years!

Not bad for kids who are probably just finishing college…

At that point, since they'll now be young adults entering the work force, they'll be able to put a little more in each day. Seeds of Wealth will show you how they can easily add just $12 a day to their account -- even with just an average-paying job. And that means that with the account still growing at 13% a year, by the time they're 30 they'll have·

$271,481!

I'm going to show you EXACTLY how that works.  And you'll be able to see how, year by year, your children can quietly build nearly a quarter-million dollars by the time they're 30, and beginning with less than $1 a day!

But $271,481 Is Just the Beginning…

It's simply amazing what the right habits and a little bit of money can do over time. And that's why I'm doing this for my children… to help them build secure financial futures so that they can follow their dreams and money does not become an obstacle in their lives.

But here's something even more amazing: I'm going to show you right now how your children can do even better than a quarter of a million dollars -- in fact twice as good, and then some!

Your Children Could Easily Achieve Nest Eggs
of More than a Half-Million Dollars
By the Time They're Ready to Start Their Own Families

Did you know that the stock market averaged 13.2% returns for the entire 2nd half of the 20th century--from 1950 to 2000?

And did you know it averaged a little more than 13.7% annual returns between 1970 and 2000?

That was the best 30-year period in stock market history.  But if you think that's the past and it won't repeat itself, think again.  

The market also did very well through most of the mid to late 30s, the depths of the Great Depression.  In fact, it had two of its ten best years ever in the 30s--in 1933, when it rallied 50% and in 1935 when it jumped 45%.  And yet, overall, it continued to advance more than decline through WWII and took off in the 50s and 60s.  In fact, it averaged just over 14% returns between mid-1932 (shortly after the crash of 1929) and 1962. 

That's enough to double every dollar you invest about every five years.  And it's enough to turn steady savers and investors into very wealthy people over the course of a generation.  

But you have to have the discipline to save first, and the knowledge to invest correctly--which means steering away from market tops and focusing on real value.  Seeds of Wealth teaches both--how to teach children to readily turn portions of their allowance and chore money into seed capital and how to invest it in a broad range of companies that offer the best value and are likely create the greatest wealth as the child grows up. 

Today, in fact, we've already recently passed a major market top.  All Seeds of Wealth investors were warned away from it in 2000 and steered towards value investments instead--including funds that have returned over 32% and 45% in the last year. 

Today they're being advised that we're coming up on some great values in the broad market, three years after the bear market began in March 2000.  And with the S&P 500 down 40% and the NASDAQ down 70%, all indications are that the next 30 years could be like 1932-62 at the very least, when each dollar invested doubled every five years. 

With those kinds of returns you can start your child on investments averaging less than $1 a day, and help them build more than a quarter-million dollars in a generation!  $251,309, to be exact...

The following table shows how: 

In other words, simply getting the long-term average market return that included the Depression of the 1930s, your children could easily build a quarter million-dollar nest egg by the age of 30!

But here's something else: By following a few simple steps outlined in The Seeds of Wealth Course, your children may do even better. Much better…

Let me tell you why I say that…

How to Get the Highest Returns
When Investing for the Long Term

A few years ago, two professors from the Wharton School conducted a study that showed one investment strategy produced 16.2% annual returns over a 32-year period, including the ’70s bear market and the Crash of ’87. They found this strategy produced greater wealth than the overall market not only in the U.S., but in 16 of 17 markets studied! What’s more, the University of Chicago’s Center for Security Prices found this strategy outperforms even when adjusted for risk!

But that’s not all…

Wall Street money manager James O'Shaughnessey did a very extensive study of the stock market covering a recent 46-year period. He wanted to find the best way to consistently make money in stocks over the long term.

To do that, he tested just about every kind of investment strategy – from low P/Es and low Price-to-Sales ratios… to Big Caps and Small Caps and many more. He published his findings in his books What Works on Wall Street and Retire Rich!

He found that some strategies did consistently beat the market. But one strategy stood out… It produced a very high return – yet had the lowest risk of all the strategies profiled in the book!

This strategy beat the overall stock market better than three out of every four years. Over longer time frames (5- and 10-years periods) it did even better – beating the broad market 100% of the time!

But it gets even better…

Over the entire 46-year period studied, this conservative, low-risk strategy produced an annual compounded average returns of 18.8%!

Now look at what happens when you get those kinds of returns over just 30 years…

Start with less than $1 a day, and follow the Seeds of Wealth program … and at 18.8% returns, your children will end up with a fortune of…

$652,252!

What's more, three years later, they'd end up with...

Just over $1.1 million dollars!

That will be quite a 33^rd birthday present they'll have given themselves, with your help·

With Seeds of Wealth, you'll learn about these simple, super-profitable strategies. Plus, you'll find out all about seven U.S. mutual funds that have averaged even higher returns over the last 15 years… including one low-risk, "quasi-fund" that has averaged 23% compounded annual returns for the last 35 years!

And you'll learn other uncomplicated, proven ways to get the highest possible returns when investing for the long term.

Seeds of Wealth Will Help Build Financial Security for Your Children Through Bull and Bear Markets

If you happen to be an experienced investor, the current bear market probably doesn't surprise you.  With the market soaring so far so fast in the '90s and into 2000, it was only a matter of time before it went in the other direction... and in an equally dramatic way. 

Even investors who lost big in the Crash of 2000 knew in their back of their minds the market was going to crash... but they were just hoping the party would last a little longer and they could get a little richer before the music stopped...

But here again is where children have some unique advantages over most other investors.

You see, your children aren't going to be "lump-sum" investors, risking a great deal at once. And they're not going to try to trade in and out of the market either -- something that is costly and futile for most adult professional investors.

And most of all, they're not going to be chasing trends.  They don't need the money for this year or next--so they don't need to try "get-rich-quick" investing schemes (almost always disastrous!).  Instead, they've got the time to buy real value when it's out of favor and profit over the long term as it returns to favor.  

Like the Dow in 1932 or the NASDAQ in 1970 or even Japan just after World War II--just as it was about to rise 88-fold over the next 30 years!

In other words, instead of chasing hype and overpriced stocks off a cliff, long-term investors like children can do something that's proven to be much more profitable. 

Throughout childhood, they'll average just a few hundred dollars a year in diversified investments. And because they'll have at least a 30-year time horizon, they'll be in a much better position to always buy the best companies at the best prices, not worry about the temporary ups and downs of the major indexes (since they won't be buying them when they're "expensive and hot")... 

The net result is that with a lot less work and worry (but more common sense and discipline), they can end up turning a few dollars a day into a nest egg in the hundreds of thousands of dollars... even while average people are struggling with high-interest credit card debt and trying to "walk up a down escalator" with their investments...

Let me prove it by presenting a couple of "worst-case" scenarios.

Even If the Bear Market Drags On…
Your Children Can Build a Nest Egg of Well Over a Quarter-Million-Dollars by Their 30^th Birthdays

The greatest stock market crash and bear market of all time began in 1929. From the peak in October of that year to the bottom in 1932, the market fell some 89%!

And yet, if you could travel back in time and begin the Seeds of Wealth Program for your children in mid-1929, you'd be amazed at the wealth it would create for them some 30 years later.

Again, beginning with less than $1 a day through childhood – and investing steady small amounts through the peak, crash, bottom and recovery… 30 years later, your children would end up with…

$271,481!

And that's after the worst bear market of all time!

The following table proves it: 

These are based on actual historical market returns, leading up to the peak, right through the greatest crash and bear market of all time and through the recovery years. 

You'd get similar results, by the way, if you traveled back in time to the next great market peak -- that of 1968.

If you began the Seeds of Wealth Program in the year Richard Nixon was elected president and as the "Go-Go" market of the Î60s was topping out, 30 years later you'd have·

$323,049!

How is this possible? After inflation, the grueling bear market of 73-74, stagflation, and the crash of ‘87?

Because, in both instances, you were investing steady, small sums over a long period of time – far longer than a single market cycle. And that means, though you initially suffered temporary losses of a few hundred dollars, you also continued to invest at the very bottom of the market and each time the market began a new bull cycle.

This program works, in other words, in all sorts of markets. And it all goes back to the unique investment strengths of children … Because the best way to get returns in the neighborhood of 13-18% is to make small regular investments for the "long-term" – a strategy that is ideal for kids.

But it can only happen once you've developed the discipline and habits to follow the program -- and once you have enough time to make it work.

Modest Assumptions

I should repeat that all the numbers I'm talking about here are assuming average savings of just under $1 a day through the pre-teen years and less than $2 a day through the age of 21.

After that, they're based on the premise that your child makes just an "average" salary for college grads from the ages of 22 to 30 (using US Census figures).

In other words, Seeds of Wealth is designed to help the children of everyday working people. It's not a program for "trust-fund" babies. It will work for anyone·

No One Ever Got Rich by
Sticking Money Under the Mattress

The following table gives you an idea of the advantage the Seeds of Wealth Course can give your children.

The table shows that, even with the same modest incomes as adults, the Seeds of Wealth Investor ends up far better off. By beginning to use the Seeds of Wealth Course early on, your children can easily have anywhere from 19 to 36 times the wealth they'd normally have by the time they're 30!

And these are conservative numbers. They assume the your children never make more than an average income and never get more than average market returns.  In other words, your children could easily end up with much more than the amounts shown here. But even if they get a few percent less and end up with $175,000 or $200,000 -- wouldn't that still be a great gift to have given your children or those of your friends and family?

They'll have done it themselves, but with your help. And then, as adults, they'll have the tools and the money to continue to grow their wealth at a rapid rate, even as they start their own families.

And all because they started with little pieces of allowances, birthday checks, holiday money and chore money. A few dollars here and there that turned into a fortune…

Seeds of Wealth will give your children an incredible financial head-start that will keep building up their wealth bigger and bigger… like a seed that becomes a sapling, and then – before you know it – a towering tree of wealth!

 You Don't Have to Be Rich to Help Your Children Become Rich

I don't care how modest a living you make today. You can easily help your children achieve these results.

Your children don't have to become lawyers or doctors or computer scientists to become rich. If they do, that's great. But it's not necessary in order to live well.

They can still acquire substantial wealth even if they decide to become school-teachers, firemen, nurses or policemen.

No matter what line of work your children wish to follow, in other words, they can still become financially secure, enjoy life – and pursue their personal dreams – without the problems caused by money worries.

That's because this course is designed specifically to help average, hard-working people build wealth at a very young age.

And here's something else. Once your children grow up, if they decide to keep investing that money just a little while longer, they can soon become millionaires!

The following table shows how soon that can happen:

The table shows that with the Seeds of Wealth course, and starting with less than $1 a day… your children can become millionaires by the age of 33!

In fact, by following the Seeds of Wealth Course and getting 18.8% annually, it would be more than a million. It would actually be $1,141,432…

But to take maximum advantage of these wealth-building principles, you must act now. Because time is your children's greatest advantage as young investors· and the waste of time is the greatest enemy to their financial well being. The sooner you start your children along the path to financial security, the better off they'll be.

And though the big payoff comes when they're adults, it begins to pay off in responsible habits and attitudes right away!

For instance, let me give you an idea of just one of the habits your children will soon develop with just one of the wealth-building secrets you'll learn in Seeds of Wealth·

I call this one the "two-box system."

An Example of How Seeds of Wealth Helps Create
Good Money Habits for Your Children

I don't talk "stocks" with youngest. He's eight now, but ever since he was five, he's known exactly how much of each dollar he gets he must put into the "permanent savings" box on his dresser and how much goes into his "temporary savings" box.

He counts out the permanent savings with me twice a year and I invest it for him. The temporary savings he can spend all or part of on whatever he pleases whenever he wants.

We've counted out hundreds of dollars from his permanent savings box in the last year alone. And that means he's also had a few hundred dollars to spend. So it's really no sacrifice at all.

After all, what could a seven- or eight-year old gain by spending a few hundred extra dollars?

He's truly a happy kid. I couldn't imagine he'd be any happier if we simply decided to let him spend all his money· In fact, he's developing habits now where he wouldn't dream of spending all of his money!

And the same goes with my ten year-old…

Last month he won $50 and a pen for first prize in an essay contest. He kept the pen and immediately divided the money among the two boxes just as he's been doing for years.

As for my oldest, he's 14. The other day he got $20 for his birthday from his grandmother. I only found out about it when he asked me if I had change of a $20 -- so he could put the right amount in his "permanent savings." He does the same with the money he makes mowing the lawn, and he'll do the same in a few months with the little extra he'll make as a little-league soccer referee.

The remarkable thing is these habits are second-nature to all three of my children now. They have better money habits than I did just a few years ago…

And that was the whole point!

It's as if the wealth they're steadily accumulating is just a bonus -- But what a bonus!

You Get Everything You Need to Help Your Children
Master Powerful Wealth-Building Habits
They Can Pass onto Their Children One Day!

Seeds of Wealth is based on simple, time-tested wealth-building principles. But they're ideas that many of us learn too late in life, and almost none of us think to teach to our children -- even though they're the ones who can benefit the most by them!

Seeds of Wealth is an easy-to-follow 2-part course written for the average person. There is no complicated "material." No financial "lingo."

If you've read this letter so far, you're ready to master Seeds of Wealth.

It's all written in plain English. And it's boiled down to just over 200 pages of easy-to-read text, and simple, step-by-step instructions. It comes with clear and colorful charts and binder for ease of use and durability.

And it's laid out and designed so that you can start your child on the path to wealth in less than 30 minutes!

• You'll find out exactly how to set up free (and even tax-advantaged) accounts for your children with very little money·
• You get the facts and contact information on the best no-load mutual funds with low expense ratios and low investment minimums, as well as other investments for maximum long-term wealth creation…
• You'll have a suggested timetable for beginning to include your children in the investment process·
• You'll get a straightforward "No-worry System" for managing the investments in just a few minutes a month·

Even if you know nothing about investing, this section gives you what you need to know in everyday language, making the whole process simple and hassle-free.

We'll immediately send your child a freshly minted Gold-plated Liberty Dollar and the "Seeds of Wealth Ben Franklin Award." This certificate, on fine cloth paper, will bear his or her name proudly in handsome calligraphy. It will be a fitting testament to their growing responsibility and maturity in this one very important area of his life.

Plus, Seeds of Wealth gives you so much more. For instance, you'll learn·

• How to help your children follow the "Baby Steps" savings plan to easily and painlessly create "investment capital" – the stuff fortunes are made of… How to open free investment accounts for your children with just a few hundred dollars in savings;

• How to turn your child's low-yielding Savings Bonds into capital that doubles every four or five years;

• How to teach your children the difference between "good debt" and "bad debt" and the tremendous positive difference that lesson will make in their lives;

• Where to find "free" money for your children's investment accounts;

• How your children can immediately begin to get high returns on their investments – without anyone in your family being an investment "expert;"

• How you can save as much as $825 a year on taxes while helping your children invest and build wealth;

• How to get your children to eagerly adopt four super-successful financial habits that can make them wealthier ever day of their lives;

• 19 great summer business ideas for the entrepreneurial teenager;

• How to pay little or nothing in commissions on the investments your children buy;

• How to use the Seeds of Wealth to help your children become better students in subjects ranging from geography to math to science;

• Where to find high-growth funds tailored specifically for children…

It will help your children develop responsibility, discipline and an understanding of money that will serve them their entire lives. It will help them achieve financial security from a very early age. And it will help them build wealth for as long as they live.

That's why I believe The Seeds of Wealth Course will be one of the greatest gifts you will ever give your children. It is truly a gift that keeps on giving…

Believe It or Not, This Isn't a Course for People
Whose Values Center Around Money…

Before I tell you how you can try The Seeds of Wealth risk-free in your home, I'd like to tell you why I think you'll find it so valuable for your children.

As a kid, and later as a young man, I never cared about money.

My brothers, sisters and I were always hard workers – doing paper routes, caddying, working around the house and doing odd jobs since we were kids. We were always taught the work ethic, in other words, but we never learned much about saving and investing.

That's because money wasn't a "value" in my family when we were growing up.

You see, I'm the youngest of eight, and for a long time my parents raised us just on my dad's salary as a college professor. Believe me, for a household of ten people, that wasn't a lot of money.