Pension Fund Time Bomb!

What the government doesn't want you to know
about the huge pension deficit . . . plans most at risk . . .
how the pension crisis will affect inflation,
your retirement and your taxes . . .
four urgent steps to take now to protect yourself.

Dear Investor:

Even as our "Great Recession" gets worse, another, potentially explosive financial time-bomb is set to go off:

America's hidden $5,000,000,000 pension plan deficit

As you'll learn in our new Financial Intelligence Report (FIR), "Pension Time Fund Bomb is Ticking" — the continuing recession is putting funding for hundreds of pension plans at risk, jeopardizing both retirees and millions of taxpayers like you, who probably will get stuck with the bills.

Although none of us wants to hear more bad economic news, it's important that you understand this rapidly developing pension crisis that soon could overshadow our other financial crises. That knowledge will help you take prudent steps to protect yourself now, as explained in detail in our new report.

Fortunately, there are many ways to protect yourself and your assets from the pension time bomb, including . . .

• Securing your retirement
• Making sure you have enough money for a comfortable retirement
• Insulating your investments from inflation that will be aggravated by the pension crisis
• Hedging your financial bets by investing in sectors and markets that will do well, despite inflation and the pension crisis.
• Avoiding states most likely to raise taxes to bail out pension funds.
• Using the powerful "rule of three" to protect yourself from high taxes, inflation, and recession simultaneously. But before we discuss these urgent financial steps, it's important that you understand the magnitude of the emerging pension crisis and the profound effect it will have on both our economy and your investments.

Click here to get your FREE copy of our
new Financial Intelligence Report
"Pension Fund Time Bomb is Ticking"

The Coming Pension Crisis Could
Devastate Millions of Retirees and Taxpayers.
Make Sure You Aren't One of Them.

During the next few years, about 77 million U.S. baby boomers will retire, putting enormous stress upon an overburdened $15 trillion pension plan system.

As you'll learn in our new Financial Intelligence Report, hundreds of major pension plans, covering millions of workers, are severely underfunded. The Great Recession is compounding the problems, as trillions of retiree dollars invested in stocks and bonds have disappeared.

As of December, the pension plans of America's 100 largest companies were in the red by an incredible $217 billion. If GM, which alone has 450,000 retirees; Chrysler; and other large companies go bankrupt this year as expected, these pension deficits will get much larger.

Pension plan losses aren't a problem just for people the plans cover but also for millions of taxpayers who likely will be forced to cover any deficits.

Learn all about this developing crisis and how to protect yourself in our new "Pension Fund Time Bomb is Ticking" report, including . . .

• The disinvestment crisis: How millions of retiring baby boomers will be forced to sell large homes, stocks and other assets.
• A new trillion-dollar taxpayer bailout? Learn the shocking truth about the Pension Benefit Guarantee Corp. — the agency responsible for guaranteeing pension plans for 44 million Americans. How it's now running an enormous deficit that could result in a trillion-dollar taxpayer bailout in the next few years.
• Why your pension and healthcare benefits may be slashed: As the value of real estate, stocks, and other assets in which pension plans are invested stagnate or shrink in value, many pension and healthcare plans will have no choice but to slash benefits. Which pension plans are most at risk?
• Saving pensions: A simple change in the law which Congress could enact that would give underwater pension plans some breathing room.
• Your taxpayer liability: Why your tax dollars are at risk for billions in under-funded pension plans, whether you like it or not.
• The coming raid on worker paychecks: Why millions of workers at some of America's largest companies soon could see their paycheck deductions soar as a result of the pension crisis.
• State and local government pension plans also at risk: The huge losses public pension plans recently suffered because of the recession . . . and could result in layoffs and cutbacks, and which employees are most at risk.
• Industries most and least at risk in the pension crisis; where does yours fall? While the overall pension situation is bad, liability ranges tremendously from sector to sector, with workers at some industries such as auto manufacturing at severe risk, while others are relatively well protected.
• See our complete list of industries where pension plans are relatively safe and industry plans which are most at risk in our new Financial Intelligence Report.
• How pension plan problems will make things worse for Medicare patients.
• Five simple ways to protect yourself from the pension crisis; why you will want to act quickly.
• The "rule of three" for protecting yourself from the triple threat of recession, inflation, and pension plan meltdowns. How the rich got rich and you can join them.

Click here to get your FREE copy of our
new Financial Intelligence Report
"Pension Fund Time Bomb is Ticking"

Also in this special FIR: Learn what's next for stocks, emerging markets and inflation . . . when inflation will soar . . . why you should consider buying gold . . . and our complete portfolio update

And there is so much more cutting-edge financial news in our new "Pension Fund Time Bomb is Ticking" report. You will also discover . . .

• How the U.S. money supply is soaring, thanks to multitrillion-dollar stimulus packages, bailout plans, and budget deficits.
• When the huge increase in our money supply being created now will show up in the price of everything you buy.
• How government continues to lie to you about inflation.
• Why former Fed Chairman Alan Greenspan was one of the biggest culprits in the housing bubble and crash . . . and his lame excuses.
• Why we see a short-term rally stock ahead. When it is likely to start . . . how long it will last . . . how much you can expect stocks to go up . . . and what comes next?
• Why you may want to avoid investing in commodities.
• The global Ponzi Scheme continues: How Wall Street continues to rob Main Street . . . how low our GDP will go . . . big losers in Asia . . . how to invest now.
• FIR 25 Stock Portfolio Update: Our latest big winners.

All of this, and much more, is in our new
"Pension Fund Time Bomb is Ticking"
Financial Intelligence Report.
Click here to get your FREE copy now.

Seven Years of Accurate and Profitable
Financial and Investment Predictions

Identifying when the current down trend in oil would begin is just one of many examples of being on target with our projections.

Since 2002, we've shown an uncanny ability to ferret out what is truly happening as it relates to the U.S. and global economy. It's easy to join the chorus line. We prefer to give you the facts before the rest.

Our reports and predictions have been so pinpoint accurate, they read like prophecy.

Here are some key trends we focused on in 2008 (and our first "early warning" of each trend):

• Oil and commodities crash (2007)
• Housing bust (FIR's first warning: 2005)
• Credit crunch (2005)
• Falling dollar (2004)
• Skyrocketing oil (2006)
• Rising gold price (2004)

We have been right on most all of the major economic trends for the past five years . . . protecting our readers and helping them make huge profits along the way.

Here are a few more examples of how FIR provided guidance and recommendations throughout the years:

• Warned you about the mortgage meltdown two years before it happened.
• Warned you back in June 2004 about the falling dollar in: "The Dangerous Dollar Warning" issue.
• Guided you to Canadian royalty trusts that went up as much as 100% in one year, while paying up to 15% dividends.
• Revealed massive stealth inflation of more than 8% in the U.S., even while the Federal Reserve was claiming 2.3% "core inflation," which conveniently excludes energy, food, taxes, and housing.
• Warned you about the housing crash in our September 2004 issue.
• Warned you about the looming baby boomer crisis, which could devastate U.S. financial and real estate markets.
• Predicted the price of gold would skyrocket back in December 2003. Since then the price of gold has gone from $250 to near $950. Our subscribers also cashed in with a 32% gain in our gold ETFs in less than a year!
• Steered you toward dividend stocks paying up to 17% a year, plus appreciation.
• Provided you with new investment recommendations in every issue, some returning more than 100% a year.

Just imagine what you would have made — and saved — if you had this kind of financial intelligence three or four years ago.

In our new report "Pension Fund Time Bomb is Ticking," you will learn how this will affect your assets and investments . . . four ways to protect yourself now . . . when government's huge expansion of the money supply will show up in prices . . . why you may want to avoid investing in commodities . . . and our complete 25-stock portfolio update, including our latest big winners.

Get your copy of "Pension Fund Time Bomb is Ticking" NOW.

Big Profit Opportunities Ahead —
We Show You All of Them

Investment opportunities are always out there, in good times and bad. New opportunities are waiting for you in 2009, and FIR can help you find them. By spotting new trends, FIR helps its readers make money and gives you expert analysis on the financial markets each and every month.

If you had subscribed to FIR four years ago, with just $50,000 in your account, and followed our advice and recommendations precisely, it would be worth $181,336 today — without having added a single penny.

Every issue is packed with news and recommendations for up-and-coming stocks that meet our investment criteria.

Expert, Independent and
Often Contrarian Insights

Unlike most other financial newsletters, there is no hype with Financial Intelligence Report. There are no absurd claims.

You get thoroughly researched, accurate information, reasonable projections, and excellent investment advice from some of the best financial minds in the country.

And rather than a narrow focus on just a few investments like most financial newsletters, FIR covers it all: stocks, bonds, munis, options, commodities, even precious metals.

And FIR has an incredible track record. Since 2003, the year it began publishing, it has outpaced the S&P every year — and its current portfolio picks top the S&P by over 30 percentage points!

Financial Intelligence Report is edited each month by a team of analysts and experts led by its publisher, Christopher Ruddy.

Ruddy, a graduate of the London School of Economics, serves on the board of the prestigious Financial Publisher's Association and has been a noted commentator and author.

Ruddy and the FIR team, in turn, speak with some of the great financial minds to give our readers the other side of the story - beyond the media spin.

Our FIR team and contributors includes:

• Gen. Alexander Haig, the former secretary of state, leading statesman and businessman
• Lord William Rees-Mogg, the former editor of the Times of London and best-selling co-author of "The Great Reckoning" and "Blood on the Streets"
• David Frazier, an investment securities industry expert who brings to the table more than 20 years' experience in the financial markets — he's worked for several top firms, including Dun & Bradstreet and Investor's Business Daily
• Axel Merk, president of Merk Investments, an independent investment adviser focused on growth, value, gold, and cash strategies
• Hans Etienne Parisis, a Belgian-born bank economist who has advised global billionaires and governments on the financial markets and international investments. Parisis is based in Panama City, Panama

And much, much more!

Alexander Haig says Financial Intelligence Report is a "must-read for the global investor."

This is just a part of our team. Our approach is not to rely on insular opinions about the markets, but to seek out the best and brightest, globally.

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