Showing young people how to retire with $1,000,000 on pocket change they waste

Let me prove in these next few minutes

what I can do for you...with nothing to buy

The sheet of yellow paper, crumpled into a ball with more force than necessary, hurtled across the room missed the waste paper basket and scattered a dozen others in the corner. It was my first story as a cub reporter and I wanted it to be a masterpiece.

Sixty years later, I sit here facing the same difficulty: I have something to say that I think has far more significance to you than my first story ever could have. It has taken two weeks to figure out what words to use.

You see, I won’t let you buy what I’m going to talk about, so this is not a sales letter. The order page has been hidden so you couldn’t buy it however much you wanted to. Oh, and if eventually you do decide to invest in what I offer there is a double your money back guarantee - for 12 full months.

None of this 30-day wishy-washy nonsense!

And all this is for a ridiculously underpriced $17 product.

I ask only that you read every word here before you do anything else. And I want to give you my free 56-page e-book so that you get a glimpse of how I might help you. You see, I have already been through the doubts and difficulties you face with your investments. I have made the mistakes so you won’t have to.

'Mystery' is an attempt to avoid appearance  of hype

If you have ever thought investing in the stock market was too difficult or only for rich people, I have news for you. But first, why the mystery? It’s because I am so excited about my latest how-to investment book for novice- or would-be investors that what I write may seem like hype to sell more books.

And of course I want to sell more books, but much more importantly I want to help as many people as I can to succeed. For the moment, I would hide the name of the book if I could, but that’s a bit difficult to do when it forms the address of this website.

But before I can help you I have to have your permission to do so, and the only way to be granted permission is to win your trust. I cannot do that if you have the fear you are being pitched, like those people outside sporting events who give fast-talking demonstrations of knives and forks. I bought a set many years ago. The pitch was fascinating and I stood in the tight-packed circle wondering what magic he would weave next.

It has taken two weeks to figure out how to approach this in a way that would be believable. What follows is my best stab at it, so let's just get on with it.

To say that Lunch with Gaffer is a book is like saying a Rolls Royce is a car. It is the best book I have ever seen for people wanting to know how to win consistently with stocks, and I have read a lot of them. It also covers all you really need to know about bonds and mutual funds. And it does it all in a way that makes learning fun. You’ll see why in a minute.

I believe it with every bone in my body

Sure, sure, I wrote it so you might expect me to say it’s the best there is for beginning - or just curious - investors. But I say that with a clear conscience because I believe it with every bone in my body. I’d be a fool to exaggerate and then back exaggerations with a double money back guarantee. Helping people to be better off financially and to reduce some of the stresses that beset them was my true purpose in writing this book and if I could afford to give everyone a free copy I would gladly do so.

I am particularly interested in helping young people. You see, I made my first stock investment when I was a penniless 20-year-old and, like many of the things we do without first learning how to do them, I made an absolute mess of that experience. Don’t get me wrong: I didn’t lose my shirt, but I didn’t make a profit, either.

As a naive, fresh-faced youngster, I demanded to speak with the manager of the cavernous polished mahogany, brass and marble bank in central    London where I had a miniscule account. It was the sort of place where you'd automatically speak in whispers. I told him I wanted to invest "the entire content" of my bank account, what did he advise? Only later did he discover it was about $40.

I didn’t know that most bank managers know as much about stocks as most plumbers or doctors, and I accepted his recommendation to invest in an obscure South African gold mine.

It didn’t take long for me to recognize I was totally out of my depth and I stayed away from all types of investment for about 10 years. I know now that I could so much more easily have become a millionaire if only I had known and understood a few basic rules of successful investing. All that was needed at that time was $3.50 a day and an average return of 10%.

“Only 10%?” you say sarcastically. “Huh, if I’d only known it was that easy … !” But wait; read this entire page and I’ll prove to you just how easy it is.

Teaching 20s and 30s to be millionaires...easily

My book begins by showing you how to save even though you are sure it is impossible - and with no pain and no sacrifice of things important to you. And I show exactly how to find this mysterious missing money. If you’re between age 25 and 30 you will discover enough money that is currently wasted to make you a millionaire. What’s more, you decide what is being wasted and what is important to your lifestyle.

Can I help everyone? No. It this stressful economy, there are some who truly cannot save any money at all. I know what that's like. The future for these people is bleak until they can find another job and get out from under some of the bills. But quite likely for you it is easier than you think. You will not know the truth until you follow the first chapter in my book. If you are right and I am wrong, simply ask for your money back.

How often have you wished you could win the lottery…even if your share was “only” $1 million? Maybe you are among the tens of millions who check those numbers every week. Hey, a few thousand would help pay off some of the bills! Remember how you felt when you won just $10? I bet you told at least one other person.

It’s not too late even for someone in their mid-30s; it’s just a little more difficult. You need to find $10 a day while a 25-year-old needs just $6.67 a day. That could mean some modest changes in the way you live, but not necessarily bad ones.

If you are among the minority who smoke, the cost of your habit is no different from taking a check for $1 million and deliberately putting a burning match to it. You’d say anyone who did that was crazy, and deserved to be locked up. They's be featured on national TV so everyone could point fingers and say how dumb they were. (Can you tell I’m one of those awful reformed smokers?!)

How about those few drinks at the bar or club every Friday night with friends? Instead, why not have them over to your place? The atmosphere is more relaxing and you’d each spend a lot less on the beer or wine. What you save could literally make you a millionaire. It's sometimes as simple as doing the same things you have always done but in a different way.

Choosing stocks not as hard as people make it

Most of us throw away potential fortunes on far less than Happy Hour, things we do not really want and that are not necessary (in our own view) to our present lifestyle. We do this not realizing that the life we dream about if we win the lottery is simply slipping through our fingers. Finding what we squander is easy when we know how…and I’ll show you how.

“But stocks, bonds and mutual funds? I don’t know anything about that stuff. Besides, that’s for rich folk.” 

A young man I met for the first time recently got around to asking what I do for a living. "The stock market?" he screeched in horror a couple of days after the Dow Jones Industrial Average hit 8000 in October. "That's crazy! Don't even talk to me about stocks. My father has just lost a million dollars in stocks. He invests in mining companies."

Fifteen minutes later, after I had explained a few logical strategies a child could do successfully, he admitted his initial reaction was because he had been unaware of how easy it is to make money over time with stocks and bonds.

No fees or commissions - ever

Would you be surprised to know you can invest just a few dollars a month automatically and without mutual funds?

Would it also surprise you to know that if you know GM makes trucks and Kellogg’s makes cornflakes you know almost enough to invest successfully, especially when I show you how to find a list of appropriate companies?

Would you be surprised to know you can invest directly with almost 1,000 U.S.  companies without going through stockbrokers or paying commissions? (Hush, my broker friends would hate me for telling you this!) And that, just like mutual funds, you can buy fractions of shares this way?

Oh, and I’ll show you where all the hidden fees are with mutual funds. They are not really hidden, but you need to know what to look for and where in those daunting annual reports many people simply throw in the garbage. I'll show you where to find them.

There’s far more to fees than just sales commissions, and these other fees make a huge dent in your bottom line.

You see, it’s not just about what you make it’s also about what you keep.

“But I started one of those investment books once. Couldn’t understand it and I’ve never touched another one since.” 

 I was fascinated by making money without work

In my early days, the days that have the most impact on how we can live later in life but during which we are the most impatient, I felt much the same way about those books. But being able to make money without working for it fascinated me so I continued to “invest” on hunches, and I lost more often than I gained. Years later, because of a computer program I designed and everyone else wanted, I had my pick of six investment firms to join as a broker.

I became one of the leading brokers in Atlantic Canada, eventually owning my own investment firm…but I had to study far more than you will ever need to know to become a millionaire if you start early enough.

In the 15 years I spent as a broker I met all sorts of people and got a good feel for what prevents so many from being successful with … or even starting … an investment savings program. Very few of my clients ever read an investment book; they relied on me to make them money, and relying on someone else is dangerous.

If you don’t know how to be a successful investor how are you going to determine whether your advisor is any good? And if you do know, why do you need an advisor?

So when I planned Lunch with Gaffer I knew I had to make it the sort of book that readers would have a hard time putting down, I had to make it simple to understand, and the strategies had to be absolutely logical and provable either with commonsense or with a pocket calculator.

I wanted a total beginner to be able to understand every word but also to enjoy reading them. I wanted even experienced investors to have worthwhile aha moments, those moments that surprise with pure simplicity and make you wonder why you hadn’t thought of that for yourself.

The test was my wife. Before Gaffer, she didn’t even want to know anything about stocks and bonds - but she is my best critic and she understood every word in the book. But more than just teach, the book had to hold the average reader’s interest quite apart from the investing aspect.

Birth of Gaffer in Cripple Hole Creek

And so Gaffer was born. He is the lumber mill owner in Cripple Hole Creek, population 209, but he made most of his millions by investing in stocks and bonds. Each week three couples representing three different age groups meet for lunch in his house overlooking the village and where he leads a discussion of various aspects of investing.

The teaching portion of each chapter is entirely conversation. People interrupt, ask questions and joke with each other, breaking up into easily-digestible pieces what in some books becomes enough to send the average reader to sleep.

Because all the teaching is a series of conversations, questions are asked at appropriate stages to give emphasis to important points or to get clarification. Those questions that, in real life, novice investors think are too basic and are afraid to ask their broker are asked and answered. Those are questions “investment” books usually don’t answer because the author thinks they are too elementary for his readers. As a broker I learned that just about everyone has what he or she consider to be a “dumb” question.

One of the characters is a pregnant 19-year-old who works for KFC. She attends the lunches only because her 21-year-old husband, a laborer at the lumber mill, is interested. Amy, a tough-minded 50-something unafraid to speak her mind believes the only place for her money is in the bank. Readers wonder what on earth she will say next.

Of course, each of the characters has a life far outside the realm of investing. They are, I suspect, a lot like you. Each has challenges in their day-to-day life that have nothing to do with investing, challenges that are described in the first portion of each chapter. How they cope with those challenges and the final resolution keeps readers turning the pages long after they should have put the lights out.

The final page of each chapter sums up the main points, separating them from the fiction and driving them home.

This valuable  gift can be life changing

Modesty is supposed to make me avoid saying I think Lunch with Gaffer will become the must-have book for anyone even thinking about starting an investment program, but it’s impossible to write a book like this and believe otherwise. I guess there’s a place for modesty, and this isn’t it.

This is the place where I tell you I have written a 56-page e-book, as opposed to Gaffer’s 213 pages, and I want you to have it as a gift from me. All I ask is that you read it. I think you’ll be surprised at the information contained on its pages; I was surprised that I revealed so much. Each chapter deals with a different part of Gaffer’s teaching, but in straightforward, uncomplicated text.

Complete the form on this page and you will be able to start reading just two minutes from now. Over the next several weeks, I will also send you a series of emails aimed at furthering your investing knowledge, again with no fees or obligation. You can tell me at any time to stop sending these emails if you don't find them useful.

Of course, I hope that at some point you will want a copy of Lunch with Gaffer - and maybe one as a gift for a friend or relative.

How can you lose for the ridiculous price of $17? And, as if that were not enough, you have my double-your-money back guarantee. All you have to do it tell me you read the book and didn’t understand it, or it’s not for you. Do that, tell me how to access your PayPal account or where to send a check and $34 will be sent to you as fast as Pony Express or the Internet will carry it.

But you will have to wait; you can’t buy Lunch with Gaffer today no matter how much you might like to. You will be given an address in both the free e-book and in e-mails where you may invest in the book if you wish - but you will never be subjected to a sales pitch. That’s not the way I do things, and I quickly shut off people who try to pitch me.

My goal is to make you wealthier than you are now, without worry and with absolute certainty over time. You may then be interested in attending one of my seminars or investing in one of my other products - because you know the value I give, not because I give you a slick pitch.

Sydney Tremayne  

Bestselling investment author and speaker.

Helping young people become millionaires;

Just imagine what I could do for you at your age.

Average 10 percent with safety?

PS: I promised to answer the question of how you can earn an average of 10 percent with safety. You will choose a number of companies that will mirror the S&P500 Index - a broad measure of market antics. And, remarkable though it may sound, within reason I don’t care what companies you pick. Of course I will advise you, but you will make the picks with confidence once you understand how. Unlike most people’s expectations, that is the least-important aspect of investing.

A broad index such as the S&P500 has averaged 10.8 percent since indexes were first developed. I will show you a tactic an eight-year-old could learn in five minutes for always buying low and selling high … always … guaranteed. You will discover the proof for yourself. And in this manner, you must do better than the broad average over time. You absolutely must. When you see how this is done you will kick yourself for not having worked it out for yourself.

This, perhaps, is the answer for people whose retirement hopes were dashed by the recent market decline. Perhaps, with a return of 10.8 percent or better their dreams can be renewed.