I didn't believe it at first... but then, one of my researchers did a little digging (she even visited Social Security headquarters)... and put together a full report on her findings.
Dear DailyWealth Subscriber,
Did you know there's a loophole in the U.S. Social Security system that allows retirees to boost their monthly payments by as much as 75%?
I didn't believe it at first... but then, one of my researchers did a little digging (she even visited Social Security headquarters)... and put together a full report on her findings.
This opportunity is so good, I told my dad about it. He's 66 and already collecting Social Security benefits. I think every American retiree should look into taking advantage of this loophole.
Sincerely,
Dr. Steve Sjuggerud
Editor, DailyWealth
-----------------------------------
SUBJECT:
You may be eligible
for an EXTRA $1,033
PER MONTH from the
U.S. Social Security Administration
RESEARCH REPORT: #5942
BY: Olivia Martin, Sr. Researcher, S&A Investment Research
October 10, 2008
SUMMARY: You could add up to $1,033 PER MONTH to your Social Security paychecks, thanks to a little-known loophole used by only 230 Americans last year. To get the full story, we interviewed a West Virginia man who has taken advantage of this situation... a spokesperson at Social Security Administration (SSA) Headquarters outside of Washington, DC... and a Boston University Social Security expert, who has testified before Congress 16 times.
FULL REPORT:
First, I must tell you I am in no way affiliated with the Social Security Administration. I'm writing to you as a private researcher.
When I first read about a way to potentially boost your Social Security payments by as much as $1,033 per month, I thought, "No way."
But then I did a little digging.
And now, after two months of research...
After meeting in person with a man who has taken advantage of this loophole... after meeting several folks at U.S. Social Security headquarters outside of Washington, DC... and after meeting in person with a Boston University professor, who knows more about this situation than probably anyone else in America...
I can tell you: This, incredibly enough, is 100% legitimate, and absolutely true.
There's no investment to make. And you don't have to lie about your age or your income.
In short, if you or someone you know is collecting Social Security, you may be eligible to legally (and immediately) boost your payouts, by as much as $1,033 per month.
It all starts with a 1-page form called: "SSA-521."
As Prof. Larry Kotlikoff, the Social Security expert I met with at Boston University, told me: "This is like finding money on the street... over 10 million people could benefit."
And as Jim Roth, a 70-year-old retiree (who now gets an additional $1,033 extra per month) said during our conversation: "It's free money from the government."
An SSA Spokesperson told me: "It's part of Social Security regulations. We can't deny anyone."
The point is, if you're retired, and would like the chance to collect up to $1,033 per month in extra income from the Social Security Administration, or...
If you're not yet retired, but would like to set yourself up to receive these extra payments when you get there, please read on.
SECTION #1: HOW DOES THIS LOOPHOLE WORK?
In a nutshell, here's how this loophole works...
As you probably know, you can begin collecting Social Security when you're 62 years old.
But if you begin collecting when you're 62, you will get less money than if you waited to collect when you're 65 or even 70.
But that's the beauty of this Social Security loophole...
It's a "do-over" opportunity, which enables you to start collecting Social Security when you're first eligible... then RE-START your payments at a higher rate, as you get older.
Best of all, you can restart your benefits at a higher rate ANY TIME you want.
This little-known loophole gives you the best of both worlds: You get to collect money as soon as possible... and your payments can get bigger – by as much as 75% – while most Americans are stuck with the lower payouts for life.
To see how this works in the real world, I met recently with Jim Roth, a 70-year-old retiree who has been gaming the Social Security system for several months now...
SECTION #2: "ALL I DID WAS FILL OUT A FORM--IT WAS OVER IN 15 MINUTES"
Elkins, West Virginia is a small town of about 7,000 people, located in the middle of the Potomac Highlands.
I was there to meet Jim Roth, a 70-year-old retiree who legally increased his Social Security income by 75%... collecting thousands of dollars in extra income for himself and his wife, Charlotte.
We met at a convenience store called "Three Brothers" in a quiet residential neighborhood...
It was the same store Jim and his wife opened back in 1951, shortly after getting married.
Then, 8 years ago, Jim had a heart attack. He stopped working, started collecting Social Security, and passed the store on to his son.
But here's the thing...
Even though Jim had saved all his life, the $1,377 Social Security check he received each month simply wasn't enough.
So, last year, when he read about this Social Security loophole in a financial planning journal, he walked into the local Social Security office to find out more.
"Nobody knew anything about it," he told me. "It was just like talking Greek."
The lady at the Social Security office told him she'd been working there for 35 years and had NEVER come across this request.
But after making some phone calls and speaking with a supervisor, she handed Jim a 1-page form.
"All I did was fill out a form," Jim said. "It was over in 15 minutes."
The 1-page form Jim filled out – called "SSA-521" – essentially canceled his current benefits, and restarted them at a higher rate.
Within a few weeks, Jim and Charlotte began receiving $1,033 more in their monthly Social Security checks, for a total of $2,410.
In other words, the Roths practically DOUBLED their Social Security payments simply by filling out a 1-page form.
"It's free money from the government," Jim said. "Anybody who can do it should go for it!"
Jim and Charlotte bought a vacation home, and now travel to a new destination every few months...
In recent months they've explored Australia, Germany, Russia, and the Caribbean Islands. When I visited them, they were preparing to leave for Greece, for a cruise on the Aegean Sea.
The best part about this deal is, all you have to do is ask. The government can't deny ANYONE the Social Security income boost.
If you're 62 or older and collecting Social Security right now, this loophole could easily boost your monthly payments by 50% to 75%.
But how long will this loophole last?
For some answers, I hopped on a plane, and went to Boston to visit the one guy who knows more about Social Security than probably anyone else in the country...
SECTION #3: PHD ECONOMIST PROVES GOV'T GLITCH
If there's anyone in America who could tell me the straight story on this Social Security loophole, it's Professor Larry Kotlikoff.
He has a corner office at the economics department of Boston University.
And on a sunny Tuesday in September, we sat overlooking the Charles River... in the Fenway-Kenmore neighborhood... to discuss the Social Security income loophole.
"I didn't believe it was possible," said Prof. Kotlikoff, recalling the time he first heard about this opportunity. "You really can get a higher Social Security check for the rest of your life."
After receiving a PhD in economics from Harvard University, Prof. Kotlikoff briefly worked for the government, then taught at Yale and MIT.
Over the years, he has developed an expertise in all things Social Security. He has published 13 books... and testified before Congress 16 times on matters relating to the economy and Social Security.
In other words, if anyone knows about the legitimacy of this free money from Social Security, it's this guy.
Prof. Kotlikoff has studied the situation extensively. In fact, he and several colleagues even developed a proprietary software program that allows you to calculate how much extra money you could collect every month.
According to the numbers Dr. Kotlikoff ran, some U.S. retirees can boost their Social Security payments by an average of 60% every month, for life. 
Imagine... if you're collecting $1,000 a month... you could soon be collecting $1,600 a month. That's an extra $7,200 a year.
What you have to do is fill out the 1-page government form that cancels your current benefits and restarts them at a higher rate.
"This [loophole] is a great option," Dr. Kotlikoff told me. "Over 10 million people could benefit from it as we speak...
"Of course, if they all took advantage of it, the government might change the law. It's an expensive proposition."
In other words, there's no guarantee as to how long this loophole will stay open. That's why I encourage you to look into it soon, if you're interested.
Once you're in... you're in for life. But the longer you wait, the greater the chance that the Feds will shut it down for good.
Let me reiterate: If you restart your benefits now, the government MUST increase your monthly Social Security payments – by as much as $1,033 – for as long as you're collecting.
And remember: All you have to do is ask. The Social Security Administration can't deny you, no matter how long you've been collecting already, or what your age.
By now you may be wondering: If this is so great, why haven't I heard of it before?
That's exactly what I wanted to know.
And that's why I went to Social Security Headquarters, in the suburbs outside of Washington, DC...
Section #4: WHY ONLY 230 RETIREES USED THIS INCOME LOOPHOLE LAST YEAR
Social Security Administration (SSA) headquarters are located on a sprawling 4 million sq. ft. campus in the suburbs between Baltimore and Washington, DC.
This government behemoth dominates the area...
The nearby shopping center is called "Security Square Mall" and the approaching road is called Security Boulevard.
Once I got inside the campus, I headed for the main building – a grey 1960s-style structure – which houses the offices of top SSA officials.
After several phone calls and half-a-dozen emails sent back-and-forth, I arranged an interview with a spokesperson for the Social Security Administration.
She immediately gave me this surprising statistic:
Out of 32 million retired Americans, 230 people took advantage of this Social Security income boost last year.
Fact is, even though this glitch in the system has existed for years, 99% of U.S. retirees don't even know about it.
Why?
Well, for one, the Social Security Administration doesn't publicize the loophole.
"We do not recommend any retirement strategy," my source said.
Social Security representatives, she told me, are simply NOT authorized to recommend retirement strategies or give you any kind of personalized advice.
She informed me that taking advantage of the income boost is perfectly legal...
But your local Social Security representative will likely only give you information about it if you ask them specifically for the 1-page government form — because most of them don't even know the loophole exists.
In short, if you learn the details of how it works... then fill out a simple 1-page form...
The government MUST boost your Social Security payments — by as much as $1,033 every single month.
"It's part of Social Security regulations," the official I spoke to told me. "We can't deny anyone."
Bottom line: If you're 62 or older – and are already collecting Social Security – this is the safest, most dependable way for you to immediately begin collecting extra income.
It's basically free money from the government, which you can collect for the rest of your life.
And your local Social Security office is more than willing to help you out. All you have to do is ask.
Again, the process starts with a simple 1-page form that takes less than 15 minutes to submit..
Section #5: THE 1-PAGE FORM YOU MUST COMPLETE
The Social Security Administration has 46 forms available at local offices or online at their website.
Unlike a lot of Social Security forms, which require you to fill out 10 to 15 pages of information, form SSA-521 is just 1-page long.
I've provided a condensed image of the form here, to give you an idea of what it looks like.
As you can see, it asks for your name... Social Security number... application date... phone number... mailing address... signature... and a few other details.
The form also contains some boxes to be filled out by a representative at your local Social Security office.
You see, the way it works is, you must first complete this form, then take it into a Social Security office in person.
As I mentioned, this form cancels your current benefits... and restarts your monthly payments at a higher rate.
Typically, you should begin receiving 50% to 75% higher Social Security payments within 3-4 weeks of application.
How much extra income you could collect per month depends on your age and the amount you're receiving right now...
But let's say you started collecting Social Security benefits at the age of 62 and currently receive $1,100 a month.
The following hypothetical table shows you how much EXTRA money you could collect every month, if you submit this 1-page form at age 64, 66, 68 etc:
Age in 2008
Current Social Security Payment
New Payment After Submitting Form
64
$1,100
$1,240
66
$1,100
$1,390
68
$1,100
$1,590
70
$1,100
$1,724
72
$1,100
$1,722
Again, this amount could be much higher depending on your personal situation. But on average, a 70-year-old who took benefits at age 62 is likely to see a 60% increase in his or her monthly payments.
And remember, if you ask for the income boost, the Social Security Administration CANNOT deny you.
There's no investment to make. You don't have to lie about your age or your income.
In short, if you or someone you know is collecting Social Security, you may be eligible to legally (and immediately) boost your payouts, by as much as $1,033 per month.
It all starts with a 1-page form called SSA-521.
If you're interested in taking advantage of this Social Security income boost – starting today – here's what I suggest you do...
SECTION #6: COLLECT FREE MONEY FROM THE U.S. GOV'T
Before I go any further, let me explain who I am, and why I've sent you a report on this unique opportunity to get free money from the Social Security Administration.
My name, as you probably saw on the top of this Research Report, is Olivia Martin.
I'm a Senior Researcher at Stansberry & Associates Investment Research. I'm in no way affiliated with the Social Security Administration. I'm writing to you as a private researcher.
Normally, my work involves analyzing stock market equities for the various editors and analysts in the S&A Research Group. My most recent project, for example, involved crunching the numbers on more than 100 corporate bonds over the past two decades.
Some people might find this type of work boring, but I love it. I love digging into the nitty-gritty of new and unusual ways to help readers make money.
That's why I jumped at the chance to track down the details of this opportunity we've uncovered within the Social Security system.
I drove to West Virginia to meet with a 70-year-old retiree who has taken advantage of this opportunity personally.
I went to Boston University to meet a PhD professor who knows more about the Social Security system than anyone I know. And I even spent a day interviewing officials at SSA headquarters.
But even having done all of this research, I can't say for sure if this Social Security loophole is for you. It really depends on your situation... your age... and your current savings and income from other sources.
If it's an idea that interests you, however, we have put together the most comprehensive guide around to taking advantage of the situation.
It's called: How to Boost Your Social Security Payments By $1,033 Per Month.
In this report, we detail:
- The EXACT steps you need to take in order to boost your Social Security payments
- What to tell your local Social Security representative
- At what age you should submit the 1-page form in order to receive the biggest monthly paycheck
- What kind of tax benefits you could receive
- How to pass on your bigger income checks to your spouse... and much, much more.
The point is, you could be one of millions of American retirees who qualifies for the Social Security income boost... you just have to ask for it.
Once you read the detailed report we've put together, all you have to do is drop into your local Social Security office and ask for the income boost...
The government simply cannot deny you.
Within the next month, you could be on your way to boosting your monthly Social Security payments by as much as $1,033, for life.
The best part is, I'd like to send this report to you absolutely FREE...
Here's what I mean...
SECTION #7: FREE REPORT EXPLAINS EVERYTHING YOU NEED TO KNOW
I'd like to send you this research report on the Social Security loophole, free of charge, when you try a subscription to our #1 Investment Advisory Letter, True Wealth, which specializes in finding these types of situations.
True Wealth is written by our Senior Analyst, Dr. Steve Sjuggerud, who is more knowledgeable and conservative in the investing markets than anyone I know.
Dr. Sjuggerud started out as a stock broker, quickly worked his way up to become manager of an international mutual fund... then managed a hedge fund, and later headed up an independent research firm.
In short, Dr. Sjuggerud's specialty is finding great ways to make money — without taking big risks.
For example...
** When everyone else was recommending all kinds of risky stocks, Dr. Sjuggerud found a unique gold investment opportunity created by the U.S. Treasury Dept, which paid investors safe gains of more than 139% as of Sept. 18, with much more to come.
** He found another super-safe, and very lucrative way for readers to invest in, of all things, timberland. Historically, this has been one of the safest and best investments you could ever make. And on Dr. Sjuggerud's recommendation, readers had the chance to gain 64%, including 14% dividends.
** Over the past 7 years, Dr. Sjuggerud has built one of the largest investment research advisories in America, buy finding literally dozens of safe ways to make double-digit gains or more.
His most recent recommendation is a super-safe way to get a 20% dividend, based on securities guaranteed by the U.S. government.
The point is, if you are looking for investment alternatives in this very risky and extremely volatile market, I highly recommend you read Dr. Sjuggerud's research.
Of course, I can't tell you for sure if it's right for you, but here's what some readers have told us recently...
** Clyde Lafond, 68, from Burbank, CA, said:
"I have been following Dr. Sjuggerud's investment recommendations for several years. Only wish I had known him early in my life. My $600,000.00 is now worth well over a $1,000,000.00. I think that I am almost ready to retire."
** R. C. Beck, 80, who's a retired cardiac surgeon told us:
"I have been reading Dr. Sjuggerud's reports for over five years. I took my wife's portfolio from her advisor and quadrupled it."
** Raymond Martin, 53, a former news producer at CBS said:
"Of all the people I follow... Dr. Sjuggerud is, by far, the best at what he does...make me money! I have a 7-figure portfolio with many years of investing acumen. I'm up over 100K on his recommendations (in less than a year). No one else comes close."
In fact, we've even had many people in the financial industry subscribe to our service, to find ideas for their clients. For example...
Subscriber Gary Munson, who's a Certified Financial Planner and a Senior VP at one of the world's biggest investment firms, told us:
"After being in the investment business for almost 24 years, I feel I'm fairly qualified to evaluate investment recommendations as I am a financial advisor and portfolio manager. Steve's recommendations and the way he thinks are absolutely top-notch.
"His newsletter recommendations have become a major arrow in my quiver that I am able to utilize in my own clients' accounts. I read a lot of newsletters and other literature constantly looking for investment ideas, and Steve's TRUE WEALTH ranks at the very top."
Subscriber Brian Richards, a full-time equity trader from San Francisco, wrote to say:
"I KNOW I will have much more money for retirement because of Dr. Sjuggerud's True Wealth. It is comforting to know that Steve has no agenda other than to make me money."
Andrew Lawson from Charleston, SC, said:
"I was a stockbroker for 19 years. I trained with the 4th largest NYSE member firm at that time. I learned more from Dr. Sjuggerud in the last 8 months about the wide universe of investments than I learned in 19 years as a broker...
"Steve's recommendations are conservative, they make sense, and they regularly make large profits - much more than one would expect from safe investments."
I know... I can only tell you so much. You've got to try our work for yourself before you can decide if it's right for you.
So, here's what I propose...
SECTION #8: BEST STRATEGY FOR THIS VOLATILE MARKET
I'd like to rush you a free copy of our Research Report: How to Boost Your Social Security Payments By $1,033 Per Month.
It will be the first thing we send you when you take a trial subscription to Dr. Sjuggerud's monthly investment advisory service, True Wealth.
For the next 30 days, you can give Dr. Sjuggerud's True Wealth advisory letter a try at absolutely no risk to you.
Look over all our research, including our latest report on how to collect extra income from the Social Security Administration.
If our ideas and recommendations don't sound right for you, no problem. Let me know and I'll send you your subscription price back... all of it. Keep the research you've received.
The next 30 days should give you plenty of time to see the kind of work we do.
If you decide to stay with us, as I hope you will, here's everything you'll receive over the next 12 months:
1.
TRUE WEALTH ADVISORY LETTER (12 issues delivered monthly). On the third Friday of each month, you'll receive Dr. Sjuggerud's monthly report first by e-mail, then by regular mail. Here, you'll get the details on the best investment opportunities and retirement strategies in the world... with the least possible risk.
2.
RESEARCH REPORT: How to Boost Your Social Security Payments By $1,033 Per Month.
3.
DAILYWEALTH: Every day the markets are open, Dr. Sjuggerud will send you an e-mail about the investment opportunities he's looking at... updates on what he's already recommended... and details on the best insights he finds from other researchers and analysts around the world. You'll receive DailyWealth first thing in the morning, before the markets open.
Plus, you'll have full access to Dr. Sjuggerud's online archive. You can browse through all his past issues and alerts, including:
**How to make great tax-free income over the next 12 months...
**A guaranteed security that can only go up but NEVER go below a set point (it's perfect for this market)...
**Why you should consider investing in Master Limited Partnerships (MLPs) if you want lots of income... and more.
I can say without hesitation that no one I've ever met knows more about money – how to make it, keep it, and protect it – than Dr. Sjuggerud.
Why am I doing this?
by Steve Sjuggerud, PhD
People often ask me why I left the world of institutional investing to work as an independent analyst.
Did I do it for the money?
Yes... and no.
One thing's for sure. I could certainly make more money if I went back to the world of professional money management.
But to tell you the truth, even though I was pretty good at it, and made a very good living, I didn't enjoy that world very much.
What most people don't understand is that stockbrokers are essentially sales people. I learned that very quickly on the job. Contrary to what you might think, your broker's primary job is not to look out for you, but to make his firm as much as possible.
It's the same when you run a mutual fund or hedge fund. Sure, as an advisor you want to make money for the individuals who put money into your fund... but even more important is to make money for the guys who are backing you - the company you work for.
My point is, in the world of institutional investing, your #1 job is to make sure your firm makes money.
Now that I publish my own research and advisory service, called True Wealth, I have no one to look out for but the people who read my advice. I can recommend all kinds of investments -- stocks, bonds, funds, and other alternatives. And I'm never afraid to tell you when to sell.
Now, I spend all of my time doing research. That's what I enjoy... and what I'm good at. I can travel around the world to look at opportunities first-hand. That's what my readers expect me to do -- that's what they pay me for.
I don't have to sit in board meetings that waste everyone's time. I don't have to schmooze with company big wigs. And I don't have to worry about being a salesman.
If I help you make good money, you'll most likely keep reading my research. That's the way it should be. No hidden interests... or secret agendas.
I hope you'll give my recommendations and research a look.
Sincerely,
Dr. Steve Sjuggerud, PhD.
Dr. Sjuggerud's recommendations do so well, in such volatile market conditions, that I follow his recommendations with my own money...
So do many of his family and friends, including Dr. Sjuggerud's own parents and even his in-laws... plus hundreds of thousands of individual American investors.
The amazing thing is that Dr. Sjuggerud's recommendations make big gains... without taking big risks.
That's why I believe True Wealth is the single best deal in the investment world.
The normal price for a full year is just $99.
Why do we make it so inexpensive?
The truth is, between acquiring new customers, travel and research expenses, overhead, and salaries, we barely break even.
The only way we stay in business is by providing you with research that is so good that you'll want to continue your subscription with us, after the first year.
But we realize, of course, you've got to try our research first, to see for yourself how it works and if it makes sense for you.
That's why we make it so inexpensive... and easy to try, hassle free.
We've quickly grown to become one of the biggest research groups of our kind in America, because our customers stick with us after giving us a try.
You'll have to decide for yourself after you give our work a look. I encourage you to do so right away.
In fact, if you take advantage of this opportunity today, you can receive a full year of True Wealth, including our newest report on the Social Security income boost, for HALF-OFF the regular rate.
You'll pay just $49.50.
And remember, as soon as you start your subscription, you'll have immediate access to our latest report, How to Boost Your Social Security Payments By $1,033 Per Month.
I look forward to hearing from you soon.
To get started right away, click here.
Sincerely,
Olivia Martin
Senior Researcher,
Stansberry & Associates Investment Research
October 10, 2008
P.S. I forgot to mention... we've included a copy of the exact form you'll need to complete to begin boosting your Social Security checks, immediately. You can have the form filled out completely when you show up at the Social Security office near your home, to begin boosting your payments as quickly as possible.
No comments:
Post a Comment