• The notice says American Express has turned down your card application. Your credit report shows slow payment on an account... from 8 years ago! But you need that Amex card NOW for business travel.

You're screwed....right? Don't worry about it. Here's how to unscrew yourself -- royally. Walk away with even better credit than you had before! Flip to page 6.

• Your PSA test just came back positive.... Oh no! An operation? Radiation? And now your insurance company says sorry, they're not going to pay.

Screwed again!? Don't believe it....here's how to unscrew yourself. See page 82.

• Oops. You were driving 57 in a 35 mph zone. And you've already got 12 points on your license.

Man, are you screwed! Well, maybe not....here's what to do. Problem solved on page 115.

Let ETR's "Board of Experts" make sure you always get the upper hand - in business, career, investing, and relationships....

The experts who write Early to Rise, the Internet's most popular health, wealth, and success e-zine, show you their "insider secrets" - tips and strategies that give you the edge, help you solve your most difficult problems, and turn the tables on individuals and companies that try to do you wrong....

MICHAEL MASTERSON has been making money for himself and others for almost four decades. At one time or another, he has owned and managed multi-million dollar companies that were either public/private, onshore/overseas, local/international, service/product-oriented, retail/wholesale/direct mail, and even profit/not-for-profit.

Masterson is the author of the Wall Street Journal best-sellers Seven Years to Seven Figures: The Fast Track Plan to Becoming a Millionaire; Automatic Wealth: The Six Steps to Financial Independence; Automatic Wealth for Grads and Anyone Else Just Starting Out; Power and Persuasion: How to Command Success in Business and Your Personal Life (all published by John Wiley & Sons); and Confessions of a Self-Made Millionaire.

ANDREW GORDON is the investment director at ETR. He has 20 years of experience working in infrastructure and environmental projects around the world. When he wasn't traveling, he taught marketing and finance courses at the state university of Maryland.

Mr. Gordon is currently the editor of The Wealth Advantage and INCOME, and contributes a weekly column to Investor's Daily Edge. Mr. Gordon has authored several books for McGraw-Hill and other publishers on energy markets, global counter-trade practices, and the hot growth sectors of China and Russia. He is also a top-rated speaker at financial conferences.

BOB BLY is an independent copywriter with over a quarter of a century experience in business-to-business and direct marketing. His clients include Sony, AT&T, IBM, Forbes, Kiplinger, Medical Economics, and BOC Gases. McGraw-Hill calls Bob Bly "America's top copywriter."

Bob is the author of 70 books including The Copywriter's Handbook (Henry Holt) and Count Your Blessings (Thomas Nelson). His articles have appeared in DM News, Writer's Digest, Amtrak Express, Cosmopolitan, and Successful Meetings. Bob is a primary contributor to ETR's Direct Marketing Masters Edition program.

DAVID CROSS has worked and lived in 20 countries where he has worked as a chef, hair stylist, teacher, guest presenter on QVC, earthquake relief volunteer, CEO of a web hosting company, and marketer at a radio station all combined with years of direct marketing, PR, and sales experience for clients from small charities to multinational public companies.

For the last 5 years, Dave has served as Senior Internet Consultant to Agora Publishing Group, whose online revenues topped $110 million in 2006. David understands and can communicate fluently with creative "right-brain" marketers and analytical "left-brain" IT and software teams, all with equal ease. He has a proven track record for generating results and creative thinking and excels at finding new ways to make money online.

JAMES SHERIDAN is the author of the Instant Internet Income home-study program, one of the top-selling "how-to" courses on Internet Marketing, with over 10,000 satisfied customers. He is also a contributor to several ETR programs including One Deal From Retirement, The Golden Backdoor, and The Billionaire Way. In addition to his success on the Internet, James is a successful businessman, real estate investor, and trader.

JUSTIN FORD is an active investor in real estate and global stock markets. He is also a veteran financial writer. He has published, edited and written for over a dozen international investment newsletters, including launching the US version of the Fleet Street Letter, the oldest continuously published newsletter in the English language.

Mr. Ford is the author of Seeds of Wealth, a program for getting children to adopt good money habits from an early age. He is also the author of Main Street Millionaire, ETR's value-focused real estate investment program.

MARC CHARLES, known as "The King of Business Opportunities," has launched more than 40 successful businesses over the past 22 years and advised on countless others. One of his companies produced more than $6 million in sales in 36 months with a start-up budget of less than $2000. His work has been featured in Wired, Bloomberg Personal, Internet World, Internet Edge, Web Digest and Business 2.0.

Marc began his Internet career in 1993 by reviewing more than 7,500 Web sites for Yahoo! Unplugged, which became a best-selling book, online resource, and interactive CD. He has written dozens of top selling e-books and courses including China Wholesale Secrets. He edits Profit Center Dispatch, which features business opportunities that can be launched with little or no capital but have unlimited profit potential.

MARYELLEN TRIBBY, ETR publisher and CEO, has over 20 years of publishing and business experience. After graduating from New York's prestigious NYU, she held executive positions with a number of organizations including New York's PBS stationWNET/Thirteen, Times Mirror Magazines, Forbes, Crain's New York Business, Globe Communications, and Weiss Research.

PAUL LAWRENCE founded one of the most financially successful independent ballroom dance instruction companies in Florida. He has been featured in the Sun Sentinel, Miami Herald, Boca News, and Center Stage Entertainment. Other businesses Paul started include a million-dollar video production company, pool-cleaning business, mortgage brokerage, home maintenance business, several mail order companies, and a business consulting service.

In addition, Paul is a successful screenwriter. He is a credited writer for the film Cruel World starring Jaime Presley and Eddie Furlong, has signed a development deal for a national television series with one of the world's largest producers of television and films, and has sold half a dozen movie scripts he wrote. Paul is the creator of ETR's Quick & Easy Microbusiness program.

RICHARD SCHEFREN has built, run, and sold multi-million dollar businesses in the fashion, music, and hypnosis industries. He's been profiled in numerous media including the front page of the Wall Street Journal, Business Week, CNN News, Fox News, and hundreds of other TV, radio, magazines, and newspapers.

Rich has continued his offline success online with over 70 niche-specific product sites. Tele-seminars he has orchestrated with marketers like Jay Abraham and John Carlton have grossed as much as $2.5 million each. He heads an elite marketing coaching program, where many of today's top Internet marketers and service providers are among his clientele.

THOMAS PHELAN, who holds a law degree, is ETR's resident expert in self-directed IRAs and 1031 exchanging on which he writes and lectures extensively. He is the author of How To Buy And Sell Real Estate And Never Pay Taxes (Legally), a definitive work on the dynamics of 1031 exchanging written for realtors®.

Mr. Phelan's articles have been published by ETR, Escape Artist, International Living and the Wall Street Journal. He is also the editor of ETR's Million-Dollar IRA, 1031, and Instant Tax Relief programs. With more than 25 years of real estate and financial experience, Thomas is a representative for Asset Preservations, a national 1031 Exchange Intermediary. He conducts IRA and 1031 seminars for numerous real estate firms including Coldwell Banker, Re/Max, Century 21, Prudential, and ERA.

"Six months ago, I was just scraping by. I worked hard, but still brought home a very mediocre paycheck. I followed Michael Masterson's advice...and have doubled my salary!"

--Lauren Lispi,
Ft. Lauderdale, FL

"Michael Masterson's advice was worth $20,000 to me. I now have a higher salary than I thought was possible."

--Scott Jacobs,
New Haven, CT

"After using one of Michael Masterson's techniques, I'm in a position that pays more than $250,000 a year ... and I have an interest in a $100 million dollar business."

--Pat Stanley,
Chicago, IL

"I followed some of Michael Masterson's advice and the results were immediate. They were small at first, but the more I applied, the better it worked. Small successes snowballed into major new businesses.

"I began consulting for a second source of income. That 'side income' has already grown to exceed my primary income from my medical practice. I've started a third business that in just 6 months has given me national recognition and another source of 6-figure income.

"This year I treated myself with a convertible XK8 Jaguar. And, I've been able to put away enough money to fund my son's college education. He's only 4 years old."

--Andrew Sanders

"In my opinion this information is more valuable than what you'd learn at the most prestigious business schools. Why? Well ... if you went to Harvard, how can the professor teach you how to become a millionaire, if the professor has never done it himself? Michael Masterson's ideas come from his own, real experiences."

--Russ Whitney, CEO,
Whitney Information Network Inc.

"Since reading ETR, my income has gone from $30,000 a year to over $250,000 a year. And with products and projects in various stages of completion, I will easily make 7 figures a year. Thank you for opening my mind and my heart to all the possibilities!"

--Ron C.

"At the time I started reading Early to Rise, my business was almost gone. Now, 9 months later, my client base is big and growing, and I have the tools to keep it growing. This year will now most likely be my most profitable."

--J.F.

"I first met Michael Masterson back in 1993, when I was an idealistic and very poor avante garde poet. Realizing that my fortune would not be made in rhyming couplets, I decided to get a proper job and was fortunate enough to be personally mentored by Michael.

"Today I run my own publishing business that will gross more than $5 million in sales this year and net me close to $1 million. I own a beautiful $2.2 million home in Central London and a property portfolio worth a further $1.3 million. I owe much of this to Michael's inspiration, encouragement and guidance."

--N.L.

"I've been reading ETR since December, 2005. I can't tell you enough how much you've improved my life. I've read many of the self-improvement books, but none compare to your no-nonsense and down-to-earth approach. Following your suggestions, I'm more content and happier in my life overall while moving toward my ultimate goal."

--Shawn M.

"Thanks to all the writers at ETR for giving me the knowledge, tools, and inspiration to do what I have always wanted to do...get rich. It has all been possible because of your support and guidance."

--Dave C.

"I have been a golf professional for the past 20 years. Thanks to my daily reading of ETR, my eyes are beginning to open to a world of tremendous opportunity. I have begun the creation of my new golf instruction Web site, and have expansive plans that will create a wonderful resource for people and tremendous income opportunities for me."

--Paul Hobart

"About 5 years ago I ran across Early To Rise. It has always kept me on the right track with his timely and factual advice. I started investing in real estate, and now have 4 properties, with 3 bringing in passive income. I'm also in the process of developing partnering strategies to develop more commercial real estate and Internet ventures."

--Ron P.

"I have been a subscriber of Early to Rise for a year now. The lessons I have learned are helping me sharpen my focus and build my confidence to achieve more. During a recent period of renegotiating my contract, I was able to increase my fees by 30%."

--D.R.

"Since I started receiving Early to Rise I have launched two companies, one distributing high quality vitamins and supplements to the general public, and the other a real estate acquisition company.Early to Rise has given me more confidence so I can achieve all that I wish to in business and in life."

--Bob Loss

"'I must have 30 books piled up waiting to be read, plus a half dozen magazines and newspapers in my in-box. But every day, I read every single word of Early to Rise. It gives me ideas that help the rest of my work go better. I am inspired. And I get insights that help me get more done. Plus, it's entertaining. I wouldn't miss it."

--Bill Bonner, President, Agora Publishing

"Thanks to Michael Masterson, I've taken my career to a higher plane and reached nearly all of my goals in just 4 years. If you own your own business, or if you're at a point in your career where you realize that it's time to focus on achieving your professional goals, I highly recommend Early to Rise."

--Porter Stansberry

Dear Friend:

We all know it: life is unfair.

But it's especially unfair if you're the one getting the short end of the stick.

That's why, with your permission, I want to send you a valuable new book, Unscrewed: Lifetime Survival Guide -- that we normally sell for $49 - absolutely FREE.

Written by the Board of Experts at Early to Rise - the world's most popular online health, wealth, and success online newsletter -

-- Unscrewed shares with you the ETR team's sneakiest, most devious "insider secrets" for coming out ahead in dozens of common situations where the average man or woman gets screwed royally.

Including:

• The doctor says you need a medical procedure. But despite the enormous premiums you've paid them, your insurance company is refusing to cover it. Here's how you and your doctor can outsmart them ... and get them to pay up even when they say they won't. Page 43.

• Your son asks you to pay tuition for his freshmen year at college. But with annual tuition and fees at private schools averaging $29,026, the payment nearly gives you a coronary. Worse, his school isn't offering him a scholarship - or even a student loan. Turn to page 177 immediately to discover how you can still give him a first-class education -- but at a fraction of the cost his school wants to charge you.

• You get your credit card bill. There's a purchase on it you don't recognize. You call the merchant, but they insist it's legitimate. You call the credit card company. They remove the charge from your bill. But unless you take one additional step, you could still get a black mark on your credit report. Page 98.

• Your boss unexpectedly asks you to travel to a business meeting in Europe - and leave on Monday. To your horror, you see that your passport has expired. The local passports office tells you it takes 2-3 weeks to issue a new passport. Your boss says you must be at that meeting. Here's how to secure a valid passport in just a few days. Page 142.

• Your beloved child has morphed into a sullen, scowling teenager. He says he hates school - and all his teachers. Homework? Forget about it. Worst of all, he's hanging out with the wrong crowd. When you try to talk to him, he explodes. Don't despair! These common-sense tips can help you win him over, get him on the right track, and know - for sure - that he's steering clear of smoking, drugs, alcohol, and sex. Page 87.

• You're in a minor fender-bender. The accident is clearly the other driver's fault, and there's just the smallest ding in your car door. "No need to call police or insurance, right?" the other driver suggests, pulling cash out of his wallet. Why you should not accept the money from him. Page 13.

• At the grocery store, you run into someone you met at a party a few weeks ago. Will you be able to remember his name and save yourself from the embarrassment of not knowing it? 4 simple tricks you can use to remember anyone's name in an instant. Page 62

• You get a speeding ticket. And you don't want your auto insurance premiums to skyrocket because of it. Can you beat the ticket - legally - without hiring an expensive lawyer to plead your case? The answer may surprise you. Page 33.

All of these situations are either potentially embarrassing ... or costly ... or inconvenient - or just plain detrimental to your overall well-being.

That's why I want to send you ETR's new 223-page book of insider secrets - Unscrewed (list price: $49) - absolutely FREE. Because....

Life is problems.
ETR has solutions.

Take a look at the names and faces at left. Some you may recognize. Others may be total strangers.

But all of these men and women have one thing in common. They have faced the biggest, most challenging problems life can throw at you - and found creative, clever ways to overcome adversity ... and come out on top ... time and time again.

Now in ETR's new FREE BOOK, Unscrewed, you'll discover the tricks and techniques they've perfected to live high on the hog ... and how to use them to your advantage in sticky situations ... like these:

• Your stock broker loses you a ton of money. He says he's not responsible. 5 reasons why he may be wrong. Plus: how you can recover some or all of your money. Page 75.

• An unexpected - and serious - illness prevents you from working. How to keep your "paycheck" coming in for as long as you're out ... even forever. Page 76.

Free disability insurance ... even if your health is bad Even if you're worried that you might be sick, you can still qualify for affordable disability insurance - and a big monthly pay-out - if you follow this clever tip on page 77 of Unscrewed. Plus: how to get your employer to pick up the cost of disability insurance for you - even if you can't get it on your own.

• Sick and tired of outrageous college tuition bills? Save money by sending your child to a state school - even if it's a state you don't live in. Page 177.

• Convince your boss you deserve a raise - even though he didn't plan on giving you one. Page 116.

• Tobacco companies killing you? How to break your addiction to cigarettes - fast. Page 145.

• Escape jury duty - even if the court clerk refuses to grant you an exemption. Page 17.

• The police in your town are going on a ticket-writing rampage, pulling people over left and right - even if they're going just a few miles over the speed limit. 3 simple tricks help you spot traffic cops before they spot you. Page 29.

Avoid tickets for highway speeding In the United States, auto insurance premiums increase an average of 40% after just two traffic tickets. But can you escape getting a ticket for speeding on a highway once you are pulled over? The psychology that governs the relationship between you and the state trooper is important and intricate. On page 32 of Unscrewed, you'll discover what that trooper really thinks of you ... how to win him over to your side ... and make him feel compelled - even obligated -- to let you off scott free with merely a warning.

• Get rid of roaches ... mice ... fleas ... termites ... and other pests -- and vermin -- in your home - for good. Page 62.

• If you're sued and lose, are you screwed? 15 places you can hide your assets so plaintiffs can't touch them. 100% legal. Page 16.

• The 7 causes of chronic bad breath ... and one good way to eliminate each. Page 67.

• Insurance company refuses to give you a life insurance policy because you've had health problems. Here's how to get all the coverage you need - at a price you can afford. Page 39.

• IRS calls you in for a tax audit. How to make sure you walk away with your freedom - and money - untouched. Page 8.

• Can't afford to buy a starter home? No sweat. Get a free house - with zero taxes -- here. Page 151.

• Sneaky way to get a credit card even if your credit is terrible. Page 95.

Fix credit problems fast! Nearly one American in every five has credit problems! Your "credit score" gives lenders an indication of how likely you are to repay back loans and other debt on time. Consumers with a poor to fair credit rating are often unable to get loans, mortgages, even credit cards - in other words, they're screwed! Now you can get Unscrewed - and get out of debt fast. Turn to page 95 to eliminate finance charges ... reduce your monthly payments up to 40% ... re-establish your credit ... even get a credit card when your credit rating is abysmal.

• Tighter airport security measures have made flying a nightmare. These simple tips can cut your airport waiting time in half. Page 28.

• Back pain? Treatments that can let you live a normal life - pain-free. Page 10.

• Worried that a mole might be skin cancer? 7-step checklist can help you determine whether you should have the dermatologist check it to be safe. Page 127.

• Little-known ways to help your learning disabled child do much better in school - and live a happier life. Page 80.

• Lower your high blood pressure - without taking dangerous prescription medications. Page 143.

• Outrageous utility bills this winter? Easy way to cut your heating costs by 20% to 40% this year. Page 149.

Stop making your local utility companies rich! Few businesses can put the screws to you more adroitly than your local utilities. You can't live without electricity, heat, and water. So you're forced to pay their monthly bill, no matter how outrageous. Or are you? In Unscrewed, we reveal the latest building technologies - from money-saving "insulating paint" ... to energy-efficient light bulbs that last 10 times longer than regular incandescent bulbs. Utility profits will shrink. But so will your oil and gas bills! See page 150.

• 9 warning signs you're having an anxiety attack ... and a simple trick to make it go away in seconds. Page 59.

• Tired all the time? 5 simple - and safe - steps to regaining your vim and vigor. Page 137.

• How to graciously turn down an invitation you don't want to accept. Page 68.

• Sick and tired of paying through the nose for expensive vacations? 2 ways you can take a luxury cruise - for free. Page 171.

• You get dumped. Your heart is broken. How to mend it fast - and find happiness with someone other than the jerk who left you. Page 85.

• Suspect your spouse may be cheating? 12 ways to catch them in the act - and protect yourself should you decide to divorce. Page 79.

• Save money on taxes by starting your own country. Sound outrageous? These guys did it. Can you? Page 185.

• Going bald? Now have a full head of hair again - without wearing an embarrassing "rug." Page 13.

• How to ask an attractive person out on a date - and get them to say "yes" - even if you are painfully shy. Page 111.

• Mother-in-law problems? Simple technique can turn a lioness into a pussycat. Page 88.

Conquering your "monster-in-law" Does this sound familiar? No matter what you do - how much money you earn, how well you cook, how well-behaved your children are - your in-laws find fault with what you do ... and how you do it. Your driving, your cooking, your job, your lawn, your house - nothing you have, do, or say is ever right. You want to tell them where to get off. But you don't want to bring down your spouse's wrath. The 3 simple strategies outline on page 88 of Unscrewed can turn your in-laws from your worst nightmare into your "dream-in-laws." And your spouse will never realize you've eliminated a thorn from your side.

• Have to fire an underperforming employee? Terminate him with a minimum of pain and suffering - to both the employee and the company. Page 51.

• Turn the tables on a would-be car-jacker. Escape without injury - and with your car. Page 37.

• 5 proven techniques for overcoming infertility - and having the baby you dream of. Page 16.

• Buy a Mercedes Benz - get a free trip to Europe -- and pay not a dime in sales tax while you're at it! Page 172.

• Too shy and bashful to ask the person you have a crush on out for a date? Apply the technique on page 110 - and the two of you could soon be dating regularly.

• And so much more.

Win the girl (or guy) of your dreams Can't seem to get the person you really like to notice you romantically? Unrequited love eating away at you? Here are 3 simple steps that can make the man or woman of your dreams become attracted to you - and become interested in getting more involved with you - before you even ask him or her out. Page 111.

ETR's big $49 book of insider secrets - yours FREE!

With your permission, I want to send you Unscrewed, ETR's new book of "insider secrets" to help you get - and stay -- ahead.

The book regularly sells for $49. But act now, and a copy is yours absolutely FREE!

Unscrewed is fascinating reading. More important, it's packed with dozens of inside secrets to dealing with - and solving - life's most difficult problems....

INCLUDING: Acne ... ADHD child ... addictions ... air travel ... animal attacks ... anxiety asking for a raise ... attacks ... auto theft ... back pain ... bad breath ... bad dates ... barking dogs ... being held hostage ... billing errors ... bully bosses ... business failure ... car accidents ... cheating spouse ... child doing poorly in school ... chronic fatigue ... custody battles ... deadbeats ... difficult in-laws ... disability ... divorce ... drug overdoses ... drunk drivers ... elderly parents ... embezzlers ... erectile dysfunction ... failing memory ... family feuds ... fire ... food poisoning ...

PLUS: flunking college ... getting lost ... gossip ... heart attack ... high blood pressure and cholesterol ... illness ... infertility ... insomnia ... insurance ... irritating neighbors ... IRS audits ... jet lag ... job demotion ... jury duty ... lawsuits ... liars ... losing your hair ... lousy credit rating ... lovelorn ... mounting debts ... noisy neighbors ... obesity ... military service ... money troubles ... negative reputation at work ... pests and vermin ...

AND: physical abuse ... poison ivy ... poor PSAT results ... psoriasis ... rape ... relationship problems and break-ups ... road rage ... sexual discrimination ... shyness ... sick pet ... skin growths ... social gaffes ... spam ... speeding tickets ... stalkers ... stock market losses ... sunburn ... teens behaving badly ... telemarketers ... trouble with foreign officials ... under-performing employees ... unreturned phone calls ... your explosive temper... and many more.

Is there a catch?

No ... unless you consider having a team of self-made multi-millionaires pulling for your success all year long, offering you their years of wisdom and experience, and cheering you from the sidelines - a "catch."

In exchange for accepting my gift of our insider secrets book FREE, I'm offering you a risk-free trial membership in ETR's newest premium service:--

The Early to Rise Charter Club
An exclusive and confidential service for ETR "insiders" only.

The Early to Rise Charter Club was created to give a small "inner circle" of our readers an unprecedented level of access to the ETR Board of Experts - and their most powerful ideas and methods for getting everything you want in life - and more.

Accepting my offer of a no-risk trial membership in the Early to Rise Charter Club not only brings you a copy of Unscrewed absolutely free of charge. But it could very well mean the difference ...

... between retiring with just enough to get by...or with a seven-figure nest egg.

... between having a job you dread going to every day....or the job you always dreamed about.

... between going through the motions, keeping up with the Joneses, and wondering every day if this is all there is... or doing the things that can make your life rich and meaningful.

... between staying up nights -- worrying about your job, your business, your investments, paying the bills, and making ends meet ... or living a life of financial independent and total security.

... between turning green with jealousy at the achievements and wealth of others ... or enjoying success, wealth, and all the trappings that go with them - from new cars and fancy vacations, to jewelry, collectibles, designer clothing, fine dining, and more.

... between living the life you're living today...and living the life of those you envy.

For the Early to Rise Charter Club is more than just a book ... or a periodical ... or a club.

It's nothing less than a once-in-a-lifetime insider's look into proven - and practical -- ideas, systems, and methods that can open the door to a whole new level of success, financial independence, and achievement.

In fact, a whole new life of abundance and joy for you and your family!

Now, how do we deliver on that promise? With a wealth of exclusive member benefits and privileges ... yours with your no-risk 1-year membership in the Early to Rise Charter Club.

Just look at all you get when you join our merry band....

** The Charter Club Communique (value: $99) - our exclusive monthly newsletter, available to members only, brings you smart strategies and timely tips on investing ... tax reduction ... insurance savings ... legal issues ... small business ... careers ... parenting ... nutrition ... and other matters of importance to living a happy, fulfilling life.

You never know what new ideas for increasing your wealth, health, and business success the new issue of your Club Communiqué will bring. Here are a few -- just a sampling:

• 80% of all your activities are a waste of time. Here's how to identify the time-wasters - and eliminate them from your life.

• Why more and more money doesn't make you happier ... and what can make you happy instead.

• 99 healthy - and delicious - snacks that can get you down to your "fighting weight" in record time.

• "Men are from Mars, women are from Venus" -- just self-help crap, or the true key to a lasting, and loving, relationship?

• The "2 slopes rule" for decreasing debt and increasing wealth.

• How eating can help your children deal better with fear and stress.

• 4 fun and easy ways to exercise - and strengthen - your heart.

• How to create computer passwords you can't forget - but hackers won't be able to figure out.

• Conflict resolution secrets of America's toughest - and fairest - judges.

• "Lucky devil" training that makes fame, wealth, and fortune come your way with delightful regularity.

• Want to understand your prospect, customer, colleague, or boss? Forget watching his body language. Instead, look at his desk.

• Most common insurance rip-offs - and how to avoid them.

• Filing system a mess? Quick fix for abolishing your "paper cemetery."

• 6 proven strategies for coping better with anger and annoyance.

• And more....

** Early to Rise (value: $29) - between monthly issues, you'll receive the daily ETR online newsletter which provides a wealth of wisdom and guidance on coping with difficult people and situations - and coming out on top. At Early To Rise, we want to make you wealthier, healthier, wiser, and happier. Our goal is to help you succeed in life. When you join the Charter Club, you'll find ETR in your e-mail inbox every morning -- full of good cheer and useful advice, armed with loads of experience and useful insights and great resources. Success is a lifetime process. ETR takes a day-at-a-time approach.

What's stopping you from making $100,000 a year ... or a million dollars a year, for that matter? What's stopping you from becoming a doctor? What's stopping you from getting your book published or your play produced or your art hung in a gallery?

Not Early To Rise! We are ready to help you. We can give you ideas. We can show you how it's done. Our goal is to get you to understand something, remember something, realize something, and - ultimately -- do something that will make you healthier, wealthier, and even wiser every day of the year. There is nothing we would rather see happen, nothing at all, than to see you succeed.

When you read Early To Rise each day, you will be reminded of all that is possible for you. A better, brighter, fuller, and happier future is at your fingertips. Just go for it!

** The Charter Club Manual (value: $49) - a copy of Unscrewed - the definitive manual for gaining every advantage you can in life -- is yours FREE when you join us today!

If you agree with my premise that - either deliberately or unknowingly - much of the world is out to make your life as difficult as possible (doesn't it at least seem that way some days!), think of Unscrewed as nothing less than your "modern life survival manual."

In its pages, you'll discover dozens of proven "insider strategies" for dealing with attorneys ... courts ... business associates ... bosses ... giant corporations ... government agencies ... neighbors ... school districts ... and others who seem out to "get you." But with Unscrewed at your fingertips, they will be at your mercy - and you'll gain, and keep, the upper hand.

** Special Club Events (value: at least $250) - discounts on teleseminars, Webinars, conferences, and other ETR special events, including our annual Information Marketing conference in sunny Delray Beach, Florida each fall.

A quick word about the ETR Info-Marketing Conference... There are many marketing seminars advertised on the Internet today. But the only "success" many of these promoters have is in marketing "get rich quick" information online.

It only shows the great misunderstanding out there about the future of the information market. Ninety-five percent of the people that are rushing into Internet-based information marketing are oblivious to one very big and very obvious fact: What they fail to understand is that nobody really wants information. There is already too much information out there in the world today. Way too much information.

At ETR's Info-Marketing Conference, you'll find out what people really do want, what they are willing to pay for, and how you can use this knowledge to create a business (or transform the one you already have) that will make between $1 million and $100 million a year.

As a Club member, you'll be invited to attend the annual ETR Info-Marketing Conference at a significant savings off the registration fee other ETR readers pay.

This savings alone is worth more than an entire year's dues for Charter Club membership... not to mention that it could help you start your own multi-million dollar business!

** White Papers (value: $29 each) -- each year, you get 4 Charter Club White Papers ... special reports, written by our Board of Experts, on their areas of expertise - ranging from how to reduce your tax payments, to how to make a fortune in real estate, to starting and running a successful home-based business.

Our Board Members write these reports for their coaching and consulting clients ... conference attendees ... and newsletter subscribers. Each sells for at least $29 each - and some for over $100 apiece. The content in each white paper can be worth many times that amount to you - in profits gained, sales generated, mistakes avoided, or time and money saved. And you get 4 a year FREE with your Club membership.

The combined value of all of the above? At least $543.

But you won't pay even HALF that much to join us, because now you can....

"Hire" the world's most successful executives, entrepreneurs, investors, and advisors ... for just 13 ½ cents a day!

Okay. Down to brass tacks. What will membership in the Early to Rise Charter Club cost you?

Engaging the individual members of ETR's Board of Experts to consult with you on a private basis would be cost-prohibitive, if they were even available.

And many of our board members are not available for private advice, preferring to manage their own businesses and wealth instead of working with clients.

Of those who take on an occasional client, fees vary, ranging anywhere from $500 an hour all the way up to $10,000 an hour.

And that's for spending just ONE hour with just ONE of our ETR Board members on just ONE specific area - real estate, Internet marketing, investing.

As an Early to Rise Charter Club member receiving the daily e-mails - and monthly bulletin - club manual - special events - online access -- it's like having the entire ETR Board at your beck and call all year long.

The cost: a very reasonable "retainer" of just 13 ½ cents a day. That's less than half of what you pay for a first-class postage stamp.

Try it risk-free for 30 days

Naturally, when a new opportunity is placed before you, you want to "kick the tires" before diving into it head first.

So here's a special offer that allows you to do just that!

Sign up today as a new member of the Early to Rise Charter Club.

As soon as you do, we'll rush your FREE copy of Unscrewed to you by email - a book I'm certain you'll use ... and treasure ... for years to come.

You'll also begin your subscription to the Charter Club Communique ... and begin to receive your daily Early to Rise online newsletter.

Then, judge for yourself.

If you don't agree that membership in the Early to Rise Charter Club is easily worth 100 times the small fee we charge for it ... just let us know within 30 days.

We'll give you a full - and prompt - refund of your entire membership fee.

After that, the Early to Rise Charter Club must continue to help you win in situations where others lose.

If not, you may cancel at any time.

Whatever you decide, all materials received are yours to keep - without further cost or commitment of any kind.

That way, you risk nothing.

So, what are you waiting for?

To activate your risk-free trial membership in the Early to Rise Charter Club ... and get your FREE GIFT BOOK ... just click below now.

Sincerely,

Patrick Coffey, Internet Marketing Director
Early to Rise

P.S. Remember, even if you decide against becoming a member of the Early to Rise Charter Club, our $49 Unscrewed book of insider secrets is yours to keep FREE ... and with no further obligation of any kind.

That way, there's no risk. The book is yours - FREE - whether you stay with us or not.

To get your FREE BOOK, click below now:

P.P.S. This special FREE BOOK offer to new members of the Early to Rise Charter Club is for a limited time only ... and once it expires, these huge savings may never be repeated again.

So don't delay. To get your copy of Unscrewed - and a risk-free trial membership in the Early to Rise Charter Club at our special new-member discount rate ... enroll now.