The Cash Book

How to Protect Your Retirement Fund In Today’s Uncertain Economy

"I'm not concerned about a return ON my money. I'm concerned about a return OF my money."

This famous quote was made by Mark Twain, then later popularized by Will Rogers.

But regardless of who says it, the classic line highlights the #1 concern of retirees and those approaching retirement age – how do you protect everything you worked so hard for all your life and still make your money work hard for you?

Sadly, just leaving your money in the bank doesn't completely protect you – banks can and do go belly up (there were 51 bank failures in 2012 alone). And while the FDIC insures each account for up to $250,000, there's no guarantee that you'll get access to your money quickly if your bank fails.

And what about stockbrokers – how can you tell if your broker is safe?

Then there are money market funds, ultrashort bonds, foreign bank accounts… are any of them worthy of your consideration?

To help answer these questions and more about protecting your hard-earned wealth, retiree advocate Dennis Miller has teamed up with Casey Research to put together an easy-to-follow wealth-protection guide. It's called The Cash Book, and it reveals invaluable information that can protect your wealth, including…

  • A little-known limitation of the FDIC's insurance program that leaves you vulnerable to severe loss and how to protect yourself: seems like no one takes this into consideration when they open a bank account (page 11)
  • How to get around the FDIC's $250,000 cap on insurance: it's drop-dead simple and perfectly legal (page 11)
  • The 10 biggest deadbeat banks in the US: these welfare queens took the lion's share of TARP funds (page 17)
  • Simple steps to take to see if your bank is financially sound: you should perform this due diligence on any bank you're considering doing business with (page 18)
  • Why it's better to keep your money in a small bank: but not too small (page 16)
  • What you need to know about credit unions: they're not necessarily safer than banks (page 18)
  • Two services you can hire that will objectively judge the soundness of any bank: most companies that provide this service are not objective at all, so stick with these two (page 18)
  • The 10 safest states to do your banking: where a bank is located speaks volumes about the quality of loans it writes (page 16).

And that's just the beginning. You'll also get the details on brokerage safety, money market funds, and ultrashort bonds…

  • How to choose a safe stockbroker, including important Moody's and S&P ratings of 10 top brokerage firms (page 20)
  • The ins and outs of the SIPC (Securities Investor Protection Corporation): it's sort of like the FDIC for brokerages, but with important differences (page 20)
  • The 4 investments SIPC will not cover : you'll want to think twice about speculating on any of these (page 20)
  • Money market funds: yes, they have little to offer investors now due to ultra-low interest rates, but rates won't stay this low forever; you'll want to be prepared when things change (page 24)
  • The pros and cons of ultra-short bonds: you want bonds with short maturities and minimal default-risk exposure; Dennis reveals your best options (page 28)
  • The only kind of US Treasury bill to consider in today's low-interest environment (page 31).

And what about foreign diversification of your wealth? Is it safe? Is it even legal? The Cash Book has you covered there, too…

  • A valuable free resource to help you choose the best foreign currency to diversify into; this has nothing to do with the risky forex market (page 35)
  • The two best countries for diversifying out of the US dollar, and the simplest way to diversify into them – (page 33)
  • The best foreign bank accounts for Americans to use to beat inflation, and what you need to know before you deposit a dime into any of them (page 36)
  • How to open an account in Switzerland and keep the IRS off your back (page 37).

With The Cash Book, you'll be armed with a variety of strategies to help you protect your wealth from the many threats facing it today. This protection is absurdly affordable – it's only $29.

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