Dear Friend,

We’re neck deep in a quiet crisis being totally ignored by the mainstream media.

Right now, today, Americans are secretly having their hardearned savings transferred into the hands of rich Wall Street fat-cats. If you own an IRA, 401k, or other retirement savings account then your money is at IMMEDIATE RISK.

Wall Street has pulled the wool over America’s eyes.

The average American couple with both an IRA and 401k will lose $681,304.96 of their nest egg to the greatest scam Wall Street ever engineered -- without even knowing it! In fact, the “smarter” you’ve been, the more money you’ve saved, the greater your risk.

Unlike the mainstream media, Wall Street can’t pay me enough to keep my mouth shut about how they’re wiping out the retirement of honest, hard-working people.

Today I’m speaking up. My name is Bob Livingston and I founded The Bob Livingston Letter^™ 45 years ago based on a single, profoundly simple concept: THE TRUTH.

Through my own experiences as a young man -- financial and otherwise -- I realized that the rarest and most valuable element on Earth was NOT a diamond. It was the truth.

Over the years I’ve surrounded myself with a solid network of experts -- a brain trust so to speak. They’ve warned me and now it’s my turn. Because I refuse to allow one more fellow American to be nickel and dimed out of their hard-earned money just to fatten Wall Street’s wallet.

How the Scam Starts

Believe it or not, it starts for many in the human resources office at work or when they sit down with a financial advisor.

The truth is, the entire accepted “retirement system” has been subverted.

When you first decide to save for retirement you are given slick brochures showing the power of compounding and how the $10,000 you save today could become $100,000 down the road.

But all of those retirement brochures have one thing in common: They tell you to invest in mutual funds. Every single one of them. They don’t tell you to buy stocks directly.

They tell you to put your money in the hands of “experts.” And that’s where the danger is.

The staggering hidden costs
of saving for retirement.

When you invest in a mutual fund the fund must tell you how much it will cost to own.

It’s called the “expense ratio” and tells you what, on the surface, you will pay to have your money managed by the fund.

It always seems TINY -- one half of a percent or so.

But that’s not the real cost. Not by a long shot.

Forbes recently revealed the TRUE COST of owning mutual funds is shockingly high. You THINK you’re paying less than 1%, but the truth is the fund costs you ON AVERAGE 3.17% in a non-taxable account like an IRA and 4.17% in a taxable savings account.

Because you pay that EVERY YEAR you will lose HUNDREDS OF THOUSANDS of your hard earned money.

They took an average of $155,000
in fees from you while you worked!

The mainstream media, as a mouthpiece for Wall Street, talks about a retirement crisis. They blame Americans for NOT saving enough.

But the truth is, it’s a fake crisis. The average two-earner couple lost $155,000 of the money they saved while working to fund fees when saving for retirement. And if you were a “higher income” couple, then you more than likely lost $277,000 or more in fees.

In other words, the average two-income couple SAVED $155,000 that didn’t go to their nest egg. And it did NOT compound and grow over the years. It went to Wall Street.

It gets worse! These hidden fees steal
HALF of your nest egg AFTER you retire.

Let’s look at the numbers to show you how damaging this really is.

The average U.S. couple who retires with a 401k and IRA has $261,400 saved. If they pay 3.17% a year in hidden fees to Wall Street then watch what happens to their nest egg.

*NOTE: I’m not adding in potential stock market returns here because I want to isolate how much money is being lost. If your investments make more money then you’ll pay more in fees. If your investments lose money you’ll pay less... but you’ll still have less money.

The average couple with an IRA & 401k
SHOULD lose as much as $681,304
to fees and LOST compound interest!

It’s outrageous! Those hidden fees will take $124,152.48 out of a $261,400 nest egg during a 20-year retirement. That’s 47% of your life savings -- GONE!

But that’s not the worst part because you were supposed to be compounding your money.

If we calculate how much compound interest you COULD have made on JUST THE LOST FEES, then you see the real damage. You lose a potential $402,228.50 in lost compound interest.

Step back for a moment. If a couple like this retired with $261,400 in savings we know they likely paid $155,000 in fees during their career.

Years Retired	Nest Egg $261,400	How much you lose with a 3.17% Annual FEE	How much compound interest you lose during retirement
1	$253,113.62	$8,286.38	$50,891.73
2	$245,089.91	$8,023.70	$45,003.15
3	$237,320.56	$7,769.35	$39,795.95
4	$229,797.50	$7,523.06	$35,191.24
5	$222,512.92	$7,284.58	$31,119.34
6	$215,459.26	$7,053.65	$27,518.56
7	$208,629.20	$6,830.05	$24,334.45
8	$202,015.66	$6,613.54	$21,518.77
9	$195,611.76	$6,403.89	$19,028.88
10	$189,410.87	$6,200.89	$16,827.10
11	$183,406.54	$6,004.32	$14,880.07
12	$177,592.55	$5,813.98	$13,158.32
13	$171,962.87	$5,629.68	$11,635.81
14	$166,511.65	$5,451.22	$10,289.46
15	$161,233.23	$5,278.41	$9,098.88
16	$156,122.13	$5,111.09	$8,046.08
17	$151,173.06	$4,949.07	$7,115.08
18	$146,380.88	$4,792.18	$6,291.81
19	$141,740.60	$4,640.27	$5,563.80
20	$137,247.42	$4,493.17	$4,920.02
		$124,152.48	$402,228.50

• You lose $155,000 in hidden fees while you were working and saving money.
• You lose $124,152.48 to hidden fees AFTER you retire.
• You lose $402,152.48 in lost compound interest on the fees they took during retirement.

In other words, following the most common retirement plan will cost you $681,304.96!

To add insult to injury most mutual funds underperform the market over the long term.

Are these overpriced investment experts worth all that money? NO! Studies show most fund managers underperform the market.

So not only do mutual funds cost you roughly $3,000 a year for every $100,000 you have saved -- you’re paying that money to make less than the market as a whole! It’s insane that this is the standard retirement plan in America today. It only works because people are like sheep: They just do what they’re told. And Wall Street is the one telling everyone what is the “right way” to save and invest for retirement.

Is it any wonder all their advice transfers OUR money into THEIR pockets?

“So what on earth can I do, Bob?”

This is the #1 question I get after I explain the true cost of owning mutual funds.

Wall Street has spent so much time marketing funds of all kinds it seems like there is no other option. Of course, there is.

You can invest directly into individual stocks. That scares a lot of people because they think it’s hard to pick stocks.

And it is IF you don’t have the right information.

But let me show you the single greatest piece of investing research I’ve ever uncovered...

Where to make TEN TIMES MORE MONEY than Wall Street’s so called “income vehicles.”

If you ever need proof Wall Street’s advice is hurting you, then look no further than bond income.

The Wall Street Promoted Retirement Plan tells you to subtract your age from 100. Then put that percentage in stocks and the rest in bonds. So if you’re 70 you’d put 30% of your money in stocks and 70% in bonds.

The idea is the older you get, the more you should rely on “safe” income-producing investments like bonds. The problem? Since 1980 every American who followed that advice lost out on a lot of money.

$10,000 invested in bonds in 1980 only produced $2,998 in income by 2013.

However, the SAME $10,000 invested at the same time into stocks in the S&P 500 that paid dividends would have produced $32,418 of income by 2013.

In other words, plain old dividend stocks paid TEN TIMES MORE MONEY than Wall Street’s favorite “income vehicle.”

These same stocks PROTECT your money
from market crashes.

When it comes to my money, safety is my #1 concern.

I hate losing money and I bet you do too. And that’s another reason to love dividend stocks.

If you look at the last two major stock market crashes -- the financial crisis of 2008 and the Tech Bust of 2000 you’ll see that dividend payers saved the financial lives of their investors.

When the Tech Bubble popped in 2000 it sent the market into a two-year bear market. During that time the S&P 500 LOST 14.6% a year on average.

But when you focus on just the dividend paying stocks in the S&P 500 you see a different story: During the bear market they GAINED 8.3%.

6 In other words, a $100,000 nest egg LOST $14,600 during that period if it was invested in the S&P 500.

But a dividend invested nest egg GAINED $8,300. These stocks did a whopping 26.81% better during that two-year bear market.

Even better: Right after that, when the bull market started, dividend payers outperformed the S&P 500 by 48%.

They saved retirement accounts during the
2008 Financial Crisis too!

We know the REAL financial crisis started in the summer of 2007.

And from the start of the crisis through the market recovery, dividend paying stocks outperformed the S&P 500 by 352.94%.

Remarkable isn’t it?

BE WARNED: If you DO NOT invest in dividend stocks then you lose 50% of the market gains over time...

...Because HALF of all the gains in the stock market over the last 100 years have come from dividends.

Income is (nearly) everything when investing!

The reason dividend stocks outperform is because they pay a percentage of their profits to investors. Investors can either take the cash and spend it, or reinvest it.

Plus, a company capable of paying money to investors is a company that is MAKING A PROFIT. If a company is losing money (or not making any) then it can’t pay anything to investors.

That’s the key. You only want to invest in things that pay you to own them. Dividend stocks consistently outperform the market precisely because they pay investors a piece of the profits.

Think about it: Why give a company your money if they are NOT going to pay you anything?

These income stocks get the
“Bob Livingston Seal of Approval.”

My research team and I have worked for months to comb through annual reports, sector and stock analysis, and other stock market data to find the smartest dividend paying stocks to invest in right now.

I had a hard-nosed checklist of things each investment had to meet in order for me to consider it.

• Rock Solid Companies. I don’t mess around with my money. I don’t like risks. I mandated our team to only look at companies with strong financials. I want to invest in financially bullet-proof companies.
• In Rock Solid Sectors. I’m not going to throw my money away in the “next Facebook” only to watch it disappear as technology changes. I wanted companies in long-term, stable industries.
• Must be Profitable Now. Time is money and I’m not going to waste mine on companies that “might” make money in the future. We dug through each company’s financials to only focus on the ones operating at a profit right now -- today!
• Big, Steady Payouts. If I’m going to invest my money in a business, that business needs to pay me to own it. Otherwise it’s a wasted opportunity.

Once we had the best stocks in the best sectors we filtered them to find the companies that pay the most to own them.

What we ended up with is “the best of the best” incomeproducing stocks that I believe every investor should look at right now.

My top blue chip stocks for building steady income and a giant nest egg.

Second, find the companies that are not only ports in the storm but have built a reputation of being the highest quality long-term investments in the markets.

That’s what we’re looking at here: The core energy companies everyone turns to when there doesn’t seem to be any safe place to turn. Including companies like...

• Safe Harbor Income Payer #1: The U.S. energy grid is getting a much needed overhaul. This company is the major player and beneficiary of it. It offers the best of both worlds: Rock solid profits right now AND is experiencing serious growth. Best of all, it pays you a steady, solid dividend.
• Safe Harbor Income Payer #2: The company dominating power gener - ation for nearly a quarter of the country. This company not only has a massive footprint in delivering electricity, it’s also on the forefront of some of the biggest new energy opportunities in the country. This stock gained a solid 20% last year and it pays you a big, steady dividend.
• Safe Harbor Income Payer #3: This dividend payer’s utility business is what connects the U.S. Internet backbone to major industry players across the East Coast -- like Oracle, SAP, Lockheed Martin, AND huge Federal agencies like the Department of Defense and the CIA.

I’d like to send you my team’s in-depth analysis of these dividend stocks and more. Every one of them is exactly the kind of safe-money stock that pays you to own it.

Better yet, these stocks pay you as much, or more than Wall Street was sucking out of your nest egg with hidden fees. And they are just the start of what I’d like to send you today.

PLUS, I put together a list of
today’s top BIG income investments.

I also wanted to have a list of big income boosters: Several “alternative investments” capable of delivering larger than normal yields of regular stocks.

They all still had to meet my original “safety first” criteria of being rock-solid companies in rock-solid sectors with rock-solid profits.

My team and I have researched some of the best alternate income investments in the world today. This income report is called How to Invest in the TWO Hottest Trends in America’s New 21st Century Economy and reveals dividend-paying stocks in two of the hottest sectors, including...

• Texas Sized Payouts. Most steady dividend stocks pay between 3-5% but these companies are engineered to pay out big returns to their investors. I’m talking about yields like 6.0% or more...
• The Ten Gallon Yield. The energy industry is a long-term “must have to survive” sector of the global economy. And this company is in a near unassailable position within that sector. The payout? 6% or $600 per $10,000 invested.
• Lucky 13. This company holds a diverse portfolio of business that includes financial services, lending money to financial firms, real estate, buyouts, and more. The best part? It pays you a 8.5% yield just to own it; paying you $850 for every $10,000 invested.
• And MORE rock solid income opportunities for smart investors.

Let me send you both of these
timely income reports today so you can
make back what Wall Street took from you!

I’ve shown you how Wall Street takes money out of your pockets when you buy their mutual funds, charging an average of 3.17% or more a year in hidden fees! That’s $317 a year on every $10,000 in your nest egg—$3,170 over a ten year period! Outrageous!

That’s why I must get both of these critical income-building reports to you as soon as possible.

Normally you’d pay $129 for this valued research. But I’ve made special arrangements that allow me to offer it to you today—absolutely FREE!

But as urgent as this information is, there’s more you should know...

Truthful, raw political, economic, health
and survival news you won’t hear
on the nightly news.

Believe me, at a time in America when the stakes are unbelievably high—when your life and complete financial well-being are at risk—you NEED accurate, unbiased, truthful information—like I’ve shared here.

If you don’t know the unvarnished truth about your money, you lose it. If you don’t know the uncensored facts about our healthcare system, you die. And if you expect truth from politicians... hand your liberties over to Washington today.

Like any precious commodity, the truth is always in short supply—and that’s a big problem. It’s also exactly why I began publishing The Bob Livingston Letter^™ 45 years ago.

No mainstream lies here.

My readers understand that the media, the Internet, and 99 percent of all major news outlets have a hidden agenda that has little to do with anyone’s prosperity but their own—much like Wall Street!

Most importantly, they know they can depend on the The Bob Livingston Letter^® to break through the agendas and lies to reveal the true story.

That’s just one reason why they wouldn’t dream of missing a single issue. Another reason is that my team and I cover everything that has real, meaningful impact on your life.

That includes your money, your job, your business, taxes, retirement planning, Social Security, investing, insurance, personal privacy and liberty, travel, recreation, estate-planning, college-planning, self-defense, home security, healthcare, hospitals, health insurance and my own personal favorite: Natural healing.

A skeptical look at conventional wisdom

When I got sick years ago, I decided enough was enough. After four heart attacks before the age of 40, and advice from doctors that made me sicker, I sought natural and alternative cures... and I’ve outlived those very doctors.

What I discovered I’d like to share with you in my “healing hall of fame” collection of some of the most effective health alternatives that have been featured in The Bob Livingston Letter^® over the last few years...

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Don’t tread on me -- or my readers.

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Electronic spying on private citizens is a financial bonanza for big government, big business and big (and small-time) criminals. And most Americans don’t have a clue how vulnerable they are!

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In my FREE report, Without a Trace: The Ultimate Guide to Digital Privacy in the Age of Big Brother, you’ll discover simple steps to bullet-proof your privacy—ranging from securing cell-phone conversations to dropping off the grid completely!

Zero percent risk -- 100 percent gains

To receive all of the FREE reports I’ve detailed today, I need you to do one thing: Try my newsletter.

When you subscribe to The Bob Livingston Letter^® today for two years (24 issues) for only $69, you’ll immediately save $40 off our regular subscription price—plus I’ll send you all the reports we’ve discussed today (valued at more than $168!) for FREE:

• Safe Harbor Income Builders; Stocks That Will Pay You in this Increasingly Volatile World—a $64.50 value—FREE!
• How to Invest in the TWO Hottest Trends in America’s New 21st Century Economy—a $64.50 value—FREE!
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Plus, you have absolutely nothing to lose when you subscribe today, because you also get my...

100% money back guarantee of satisfaction.

When you receive your free reports and first issue of my newsletter, I ask that you read them from end to end. If you’re not fully satisfied, call and request a full refund. You’ll get it—no questions asked—and you don’t even have to mail back your free reports.

You may think that’s a bold guarantee, but it’s not. I’m just that sure that you’ll find The Bob Livingston Letter^® to be not only the most unique newsletter you’ve ever read, but one that will positively impact every aspect of your life.

But don’t take my word for it—see what my readers have to say...

Looks Forward to Every Issue! "The letter contains information that obviously is researched and investigated. Subjects that are not aired broadly but are very helpful and important for healthful and everyday survival, are key. Yours is a very interesting letter which I look forward to reading" —Etta B., Fort Mill, SC Helps Us Protect Our Freedoms! "I appreciate your ability to research and compile this information in a clear and logical order for laymen. Freedom is a byproduct of self-control and not regulations drafted by a profession whose legal writings are intent upon deceit." —Tim G., Plant City, FL Common Sense and Honesty! "The health and financial news sections are invaluable! Plain common sense is difficult to find in today's society. I appreciate Bob's honesty and straight forward talk." —Arthur R., Snomomish, WA Places High Value on Survival, Economy and Health! "As a 30-year combat Naval Aviator who was shot down, but not captured, I value the heads-up information on survival, economy, health issues and the political aspects of America. Our educational system strips down self reliance, historical facts, and political awareness. YOU fill in a VOID that is drowning our great nation! Many 'Thanx' Bob!" —Capt. Allen W., Virginia Beach, VA Exposes the Bad Guys! "I like the clear explanation of what's going on in Washington, D.C., exposing crooked politicians, survival guides, privacy secrets, resource list for survivalists." —John K., Tustin, CA

It’s time to stop letting Wall Street
take your money.

You’ve seen the numbers and how investing in mutual funds can cost you on average 3.17% or more a year in “hidden fees.” You’ve seen how those hidden fees can cost a couple as much as $681,304.96 in lost money over 20 years.

You’ve seen how income stocks can generate as much as TEN TIMES more income than investing in Wall Street’s so-called “income vehicles,” like bonds.

And you’ve also seen that investing in dividend stocks helps protect your nest egg when the market crashes.

Plus, you’ve seen you have nothing to lose or risk by ordering these income-builder reports today.

Now it’s time for you to decide: Do you want to trust your nest egg to the hands picking your pocket? Or do you want to keep your nest egg whole and use it to benefit your family instead of Wall Street’s bonuses?

Don’t wait a second longer. Just make you selection below. And I’ll rush you both income-builder reports showing the best way I know to protect your money and generate more income, and my other special reports today.

The timing couldn’t be better to invest in “the best of the best” income-producing stocks found in these reports, or the timeless information you’ll always find in every issue of The Bob Livingston Letter™.

Sincerely, Bob Livingston
Editor, The Bob Livingston Letter^®
Founder, PersonalLiberty.com

P.S. Remember, you’ll pay thousands more in hidden fees on your mutual funds than my deeply discounted two-year subscription price of just $69. Click below to take back your retirement!