HIGHLANDER CLUB

“Great fortunes are made through Fellowship, Knowledge and an Abundance of Opportunities.”

SEPTEMBER 2003
Volume 8 — Issue 9
Let Uncle Sam Help
Let Uncle Sam Help Pay a Pay a Portion of
Portion of Your Care Costs .
Parents Across America
Should Take Advantage of
Your Care Costs
This Tax Credit.........................1
Parents Across America
Your Wealth-Building
Web Strategy
Should Take Advantage of
Save Money and Time with
These Five Invaluable Web
This Tax Credit
Sites for Your Small Business ....2 If you send your child or children to day care or pay a childcare provider to
watch your children at your home, you may be able to get part of the care costs
Expert’s Corner back on your tax return.
15 Magic Words to Make The Child and Dependent Care tax credit can cover up to 30% of a portion
Sure Your Press Release of your day care expenses for children younger than 13. The dollar limit of
Gets Published ........................3 allowable expenses recently went up to $3,000 for care of one dependent and
$6,000 for two. The credit rate ranges from 20% to 35% of expenses, depend-
Priority:Post Your Way ing on your income. The percentage amount increased for income earners mak-
to Profits ing up to $15,000 to 35%.
12 Great Places to Find and
This means you could possibly get a $720 credit for the care of one child, or
Buy a Mailing List .....................4
twice that for two or more. You may not get to use the full amount if you owe
Another Fantastic less taxes than that. The care credit is non-refundable, meaning it can only take
Opportunity your tax bill to zero.
Achieve Wealth Liberty! ...........5 While the care expense limits mean many taxpayers won’t get the maximum
credit, there is good news. The tax break isn’t restricted to child-related care
HELP—I Need Somebody! costs. If you pay someone to look after your spouse or an incapacitated depend-
Are There Government ent of any age, then you might be eligible for this tax break too.
Benefit Programs Available To be eligible for this tax credit the care must be necessary so that you can
to Help You? ...........................6 look for or go to work. If you’re married, the Internal Revenue Service requires
Network for Profits both husband and wife to be employed or seeking a job. The only exception is
Reach Out to Other where one spouse is either a full-time student or is physically or mentally inca-
Members and Share Your pable of self-care. ■
Great Fortune ..........................6

But I Wasn’t Like This Priority: Post Your Way to Profits

Before…
Put the 3-2-1 System into Play
for a Longer Life .......................7
How to Use the Internet
to Keep More Money in
Your Pocket
Our Director’s Top Picks
on the Net...............................7
12 Great Places to Find and Buy the Perfect Mailing List
Since compiled information—like fish—gets old rather quickly and doesn’t
age particularly well, you’ve got to find the best sources you can for your mail-
ing lists. Once you understand to which groups you’re marketing and what
your most responsive audience may be, you need to start your search for the
perfect mailing list for your purposes. Lucky you, you’ve got the Highlander
Club to help! Join direct mail master Jeffrey Dobkin on page 2 and learn his
12 top sources for mailing lists that will make you profits!
September 2003 • Volume 8 - Issue 9
CHIEF COUNCIL
Michael Newman
Chairman
Nina Walters
Executive Director
EDITORIAL
Jeffrey Dobkin
Editor
Moving? Missed an issue? Please let us
know within 90 days of moving or if you
have not received an issue. After this time
period, missed issues can be purchased for
US$10 each including shipping and han-
dling. Write to: Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm
Beach, FL 33401-6163, USA. Or call
between 9am to 5pm EST; (905) 760-9929
x300; Fax (905) 760-2809.
Contact Us
If you have a question or comment about
the monthly memorandum, write to the
Editor in care of Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm Beach,
FL 33401- 6163, USA, Fax (905) 760-2809.
Subscription rate for the Highlander Club
newsletter is $80 per year. If you have a
question about your subscription, or want
to renew your subscription, change your
address, or order a Highlander Club Special
Report, write to Member Services, 777 S.
Flagler Drive, Ste. 800W, West Palm Beach,
FL 33401-6163, USA. Or call between 9am
to 5pm EST; (905) 760-9929 x300; Fax
(905) 760-2809.
© 2003 by Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm Beach,
FL 33401-6163, USA. All rights reserved.
Images by Corel, Corel Stock Photo
Library, and PhotoDisc. The Club is not
promising or guaranteeing that you will
become wealthy because of the informa-
tion in this newsletter or our special
reports and programs. There is no guaran-
tee of future profits. Copying any of the
Club’s published information is strictly
prohibited. The ideas expressed herein are
the opinions of Highlander Club only. That
said, we believe you’ll discover vital money
secrets and wealth angles not available any-
where else.
The Executive Staff, Research
Department and the Editors of Highlander
Club are proud of the reputation we’ve
built since our inception in 1991. Simply,
we believe the advice presented to you in
our published resources and seminars is
the best and most useful available to you,
the global entrepreneur.
5
Your Wealth-
Building Web
Strategy
Save Money and
Time with These
Five Invaluable
Web Sites for Your
Small Business
If you’d like to shave time off your schedule and keep more money in your
pocket…you’re in luck. We’ve discovered five invaluable web sites for your
small business.
1) Trademark search and registration. Within 24 hours of your inquiry you
will know if the trademark you want is available. The initial inquiry cost is
$99. Then it costs another $99 plus government fees to have the site reg-
ister your trademark. You can save as much as $1,000 on the process. Go
to: http://www.mrtrademark.com/
2) Overnight professional reports. Software from this site lets you upload any
word-processing document to the Internet. Your document is then con-
verted into a hard copy in the format and binding you choose, then sent
by FedEx to the location you designate. You’ll find prices competitive with
those of major retail copier chains. Go to: http://www.mimeo.com/.
3) Free Intranet. This password-protected source acts as a network for your
business. Your documents are posted in a centralized location where busi-
ness associates and your employees can then access and work on the doc-
uments. Go to: http://www.intranets.com/
4) Discount office supplies and equipment. Fast and easy ordering at whole-
sale prices. Go to: http://www.works.com/
5) Stationery and business cards. Get your professional looking, personally
designed stationary in as little as 10 days for a fraction of the cost of typi-
cal prices. Go to: http://www.iprint.com/ ■
12
Priority: Post Your Way to Profits
12 Great Places to Find and Buy the Perfect Mailing List
By Jeffrey Dobkin
There are two types of lists, determined by their origin: Compiled lists and
response lists.
Compiled lists are a common source of names and records that have been
gathered, collected, and entered into a database. The names might have been
acquired through public records such as vehicle owner registrations or high
school teachers. Directories, such as a directory of plant maintenance engi-
neers, are usually compiled lists. Many lists are compiled from categories in
phone books across the U.S. Examples would be all the photography shops, all
the luggage dealers in the United States, or all the plumbing supply dealers.
Keep in mind that compiled information—like fish—gets old rather quickly
and doesn’t age particularly well.
Response lists are data from people who have responded to an ad or who
continued on page 4
2

Expert’s Corner
Dear Highlander Members: Last month
I received an avalanche of responses
regarding the Press Release article, How
You Can Get $1,000 Worth of Advertising
for A Mere $60. It looks like Highlander
Club members want more information about
this invaluable marketing instrument, so
we turned to our marketing expert…
15
15 Magic Words to Make
Sure Your Press
Release Gets
Published
By Jeffrey Dobkin
Just so you don’t accuse me of
making you wade through the entire article to get these
words, the first eleven words are: “Are you the person I
should send this press release to?” Keep reading to find
out more!
Face it: The most valuable single page in all of market-
ing is a press release. A press release is a one-page type-
written sheet of paper that is sent to editors who, if they
like it, will publish it in their magazine or newspaper. If
your release is selected, the publication will typeset it, for-
mat it in the same style as the rest of the publication, and
print it as a story. Free.
Most magazines have new product sections where
press releases are published. And newspapers—outside
the first few pages of hard news—get about 70% of their
editorial content from press releases. Yours could be
included in this percentage.
Imagine being the editor of the travel section. Ugh.
You’d have to fill up that section of a newspaper every day.
It would be impossible if you had to do all your own writ-
ing. Press releases are your lifeblood. The entertainment
section—even more so! The editor of the entertainment
section lives on stories generated from press agents.
Television talk shows rely on press releases to find interest-
ing guests. So do radio talk shows. The media WANTS
your news stories—as long as you follow a few simple rules.
Here’s a quick synopsis of my press release formula:
Large header at the top stating “FOR IMMEDIATE
RELEASE.” Follow directly by “For More Information:”
and then a contact name and phone number. Next line, a
kill date (I usually write “No Kill Date”). Then the release
3
September 2003 • Volume 8 - Issue 9
headline (format: New Product Offers Benefit) centered
and in bold. Follow with the body copy in a brief newspa-
per style of writing (no adjectives)—if it looks or smells
like an ad, it won’t get printed. Double-space the body
copy, and keep the whole release less than one page.
Simple, even if you’re not a press agent!
Prepare your release and a well-written cover letter (to
build credibility) along with a high-quality 5” x 7” black-
and-white photo to be sent to the editor.
Here’s the old way: Most people send the release, wait
a week, then call the magazine or newspaper and ask the
editor if he received their release. The editors must get
tired of hearing that. “Sure,” says the editor, “I got your
release. I get everyone’s release!”
The caller explains what the release was about, and
then the editor usually doesn’t remember which release it
was or where it’s hidden amongst the 100 or so other
releases the editor received that week, the 10,000 other
papers, and the half-eaten pizza all competing for space
on his desk. And the press agent winds up sending anoth-
er. Hmmm. Double effort.
Here’s the Jeff Dobkin trick way to send a press
release: I usually don’t like to recommend phone calls
in any of my campaigns, but this call is not a “selling”
call. You simply call an editor and use those 11 words
you found at the top of this article: “Are you the person
I should send this press release to?” What does this do?
It sets up a “Can you help me?” relationship with the
editors.
Editors—like teachers—are generally helpful by their
very nature. If the editor answers, “Yes, I’m the person!”
that’s the signal to give him a 30-second pitch of your
product and the nature of your release. Tell him your
release will go right out and thank him for his time. Send
it promptly.
The other four words you need to say, and you say
them in the first paragraph of the cover letter you send
with your release, are “Nice speaking with you,” even if it
wasn’t. That reminds the editor you cared enough to call,
and that you spoke with him personally on the phone.
This will assure his personal attention to your release—
not to mention his help and some push.
What happens if the editor you speak with isn’t the
one you send your release to? When you ask, “Are you the
person I should send this press release to?” and the editor
says, “No, send your release to Jim Reidy, he gets all the
releases,” then what do you do? You call up Jim Reidy
and—knowing full well he’s the correct editor to send
your release to—you say, “Are you the person I should
send my release to?” You see, this sets up a “Can you help
me?” relationship.
Editors want quality releases. They rely on press
releases for news about new products, people, companies,
and current events. If they didn’t like press releases, they
wouldn’t be editors. It’s part of the business. But they get
September 2003 • Volume 8 - Issue 9
so many press releases that your release—and your
pitch—must stand out from the crowd. Most press
agents haven’t the time or the inclination to call every
editor every time a release goes into the mail. So your
call and pleasant conversation separate you from the
pack. You become special.
Editors delight in talking to real people, not just
press agents. If you have a product or service to sell and
can come up with a well-written press release and a nice
pitching angle, give it your best shot. The cost is just two
sheets of paper, one photo, an envelope and stamp and a
phone call to get perhaps $10,000 worth of publicity. At
12
12 Great Places to Find and Buy the Perfect Mailing List
have purchased from a catalogue,
direct mail package, TV ad, or other
offer.
With any mailing you are consider-
ing, first ask precisely what groups or
what characteristics make up the per-
fect audience. Then try to find a list
that matches these definable character-
istics closely.
Good delivery percentages of your
mailing piece to a specific audience can
usually be found in lists of magazine
subscribers. These lists are usually very
targeted to their audience and good because most pub-
lishers are extremely prompt with their name and address
corrections. Call a magazine publisher and ask if their
subscriber list is for sale, then ask for the name of their list
broker.
There are over 10,000 magazines published, so you
can probably get a magazine subscription list that goes
straight to your perfectly targeted buyers. If you’re not
sure what magazines would be best, there are some easy-
to-use periodical directories found in most reference
libraries. The best directories of magazines are Burrelle’s
Directory of Magazines (800-USMEDIA), Bacons (800-621-
0561), SRDS (800-851-SRDS), and Oxbridge
Communications Standard Periodical Directory (800-955-
0231). If you can’t find the exact targeted magazine filled
with the eager-to-buy-your-product subscribers you are
looking for in any of these directories, the publication
doesn’t exist. You can find any industry—and all the mag-
azines that are sent to that industry—in under 10 minutes
in these useful directories.
Catalogue houses earn a good portion of their revenue
from the sale of their lists. Call the catalogue and ask for
their business office, then ask who handles their list sales.
Almost all catalogue houses sell their lists. Catalogue
houses can be found in the Catalogue of Catalogues from
Woodbine House Publications (www.woodbinehouse.com;
4
Jeffrey Dobkin is an original Highlander
Board Member. Well liked because of his
funny, yet information-rich writing and
speaking presentations, he has written
two books on direct marketing, plus an
awesome course on classified ads and
direct mail. His articles on marketing have appeared
in more than 100 magazines.
my office, we send out 400 press releases a month—every
month. Do I call the magazine editors with every release
we send? Sure. I call the magazines where we really want
our press releases to be published. ■
continued from page 2
800-843-7323; $28.95 PPD) and The
Directory of Mail Order Catalogues from
Grey House Publishing (www.grey
house.com; 800-562-2139; $250).
Trade associations are usually an
excellent source for mailing lists.
Better associations always list the
industry’s major players. Local asso-
ciations like the Chamber of
Commerce in your area are usually
good for local business names. You
can select by business size, number
of employees, SIC code (the govern-
ment’s industry classification of each business), or any of a
multitude of other selection parameters. Two great
sources for finding associations are reference books from
Columbia Books, Inc. (888-265-0600; www.columbia-
books.com) publishers of the State and Regional Associations
Directory ($79) and The National Trade and Professional
Associations of the United States ($99). Mailing lists of the
associations are $100/M and are available on labels or
disk.
Association lists and data are also available in the
Encyclopedia of Associations by The Gale Group (800-877-
GALE) on disk, CD, and on-line through Lexis-Nexis.
This hardbound, three-volume set ($505) is the mother
load of associations—showing detailed information on
more than 23,000 local, state, national, and international
associations.
Trade show lists are also great marketing tools—lists of
both attendees and exhibitors. Check out two great web
sites: www.tscentral.com and www.tradeshowweek.com for
trade show information. The Tradeshow Week Data Book
(213-965-5300; $355) is a great tool published by the edi-
tors of Tradeshow Week Magazine. Another great trade show
directory is the TradeShows and Exhibits Schedule from Bill
Communications (800-266-4712, 856-619-5800)—organ-
ized by industry, location, date, and in alphabetical order
for fast look-ups.

Two excellent resources for investigating lists at the
library are the SRDS Direct Marketing List Source (800-851-
SRDS) and the Oxbridge Communications National Directory
of Mailing Lists (800-955-0231). We use both in our own
office—they’re thorough and exceptionally easy to use.
These reference tools are each about the size of the
Manhattan phone book and contain nothing but list data:
who owns what list, number of records in each, source of
names, and list pricing. Both tools are available in major
libraries.
List brokers are found in the phone book in every
major city. They can be heaven, supplying incredible
information, or hell, looking for a fast buck. Make sure
you ask tons of questions before handing over any money.
While you pay the broker, he actually works for the list
owner—so consider that when you ask questions and
negotiate price.
A plethora of list managers of mailing lists can be
found in the direct mail trade magazines such as Catalogue
Age & Direct Magazines (203/358-9900), Target Marketing
(215/238-5300), Direct Marketing (516/746-6700), and DM
News (212/741-2095).
Some list brokers sell through their own catalogue of
mailing lists. These handy reference tools will give you an
idea of just what’s out there—what kind of lists are avail-
able and counts of how many records exist in the thou-
sands of different list categories. Want to know how many
dentists there are? It’s a piece of cake: 190,168 are mem-
bers of the ADA. Want to know if there is a list of picky ale
drinkers? Find the list of “Ale in the Mail-Continuity
Members”—70,973 of them. Selling an accounting prod-
uct? Try the list of Accounting Institute Seminar
Attendees—all 78,634 of them. Looking for college pro-
fessors? Did you want the 43,347 who teach English, the
18,184 who teach history, the 8,477 in marketing, or the
9,194 philosophy teachers, etc?
If you need additional information—like how many
doctors specialize in allergies and are the head of their
practice with four or more employees can be found in
Pennsylvania—call any of these catalogue houses and ask
them to run a count. You’ll be able to get that information
in about ten minutes: Hugo Dunhill: 800/223-6454,
American Business Lists: 800/555-5335, Best Mailing
Lists: 800/692-2378, CompilersPlus: 800/431-2914, and
Edith Roman: 800/223-2194 to name just a few.
Several companies now offer lists of every business or
every person in the U.S. on CD-ROM. These products
allow you to create your own list criteria and generate
your own precisely targeted mailing lists. Some of the bet-
ter programs make it easy and fast to use their CD-ROM
products. Mailing list CDs are available from InfoUSA:
800/321-0869, and Global Business International:
407/568-5037 to name but two.
One of the best resources for lists is the Internet.
There’s no getting around it now, the Internet is here to
5
September 2003 • Volume 8 - Issue 9
Another Fantastic
Opportunity
to Achieve
Wealth Liberty!
Hello Highlanders! Adrian Newman from the
Wealth Liberty Institute here again with some more
exciting opportunities for wealth! Keep an eye on
your e-mail inbox for the Five Minute Millionaire.
I've come up with some new opportunities that can't
be missed! They could be the key to your new wealthy
lifestyle.
All the wealth to you and yours,
Adrian Newman, Wealth Liberty Institute
stay—you might as well get on and get used to it. It’s a
great—and probably the best—research tool available for
almost anything, if you can filter out the crap from the
good stuff. But, isn’t that the way with all research tools:
You’ve got to figure out what is the good stuff that you can
use, and what is the bad stuff that’s pretty worthless.
You’d be surprised how many of your competitors will
sell your their customers’ names. If not competitors, how
about asking other businesses that serve your market if
you can purchase their mailing lists.
Of course, the best list of all—bar none—is your own
house list of current and past customers. These folks know
you and trust you; they’ve experienced that great cus-
tomer service you offer and are now willing to buy some-
thing else from you if you would only let them know it’s
available.
Spend some extra time in this most important area—
list research: tighten your list criteria, do your homework,
spend time in research, and find the best lists you possibly
can. Then test several. It’s worth the extra time and
money to target your audience with precision and increase
the chance you’ll come up a winner at the post office.
There is no single more important factor in creating a
greater response to a mailing than mailing to the best pos-
sible list. Whatever you do, don’t settle for a mediocre list
unless you want mediocre results. ■
September 2003 • Volume 8 - Issue 9
Network for Profits
Widowed grandmother seeking grant for new business start-up.
Funds to be used for professional fine-art prints, color
brochures, certificates of authenticity, etc. Please respond to:
Patricia Pavian, 3644 Heath Trace, Canal Winchester, OH
42110. Phone 614-837-6757 or 614-759-1050.
* * * * * * * * *
For Sale: Complete Internet Business: 10 e-books and the web
sites—all on one CD-ROM. Site pulls in $700 a day! Fellow
Highlander can have it for $350. Pay with a money order and
receive $100 discount. Alan Wickenkamp, 1254 N 59th Ave W,
Newton IA 50208-8660
* * * * * * * * *
Kim’s Country Wreaths: Gorgeous grapevine wreaths made from
native Pennsylvania vines. Different varieties for different sea-
sons. $25 per 18” diameter wreath (includes shipping and han-
dling). Contact Kim’s Country Wreaths, Dept. 7, 1092 West
Leesport Rd., Leesport, PA 19533
* * * * * * * * *
Super Fantastic Home-Based Business: Highlander Diane
Studdard has a suitable for entrepreneurs, business owners, stay-
at-home or single parents. 31-year old company that trades on
the NYSE pays daily and provides a service suitable for every-
one. Residual income available after one year. Call 212-461-
8736 or visit www.prepaidlegal.com/go/diannestuddard
* * * * * * * * *
New Highlander looking to start environmental waste auditors
business. If you are interested in investing in this business which
could save businesses money, please contact Donnie Walpool of
EWA, 254 West 74th Street, Shreveport, LA 71106 for a free no
obligation evaluation.
* * * * * * * * *
New Highlander is offering a unique business opportunity in
which a member can retire in 31 months with $5,000/month
residual income. This dental plan business will save customers
80% on their dental services. If you would like more information
HELP—I Need Somebody!
Are There Government Benefit Programs Available to Help You?
You’ll find the answer at http://www.govbenefits.gov. This
on-line screening tool helps you find government bene-
fits you may be eligible to receive.
The service is free, easy-to-use, and completely confi-
dential. You don’t have to disclose your name, phone
number, Social Security number, or any other informa-
tion that could be used to identify you. You simply answer
6
on this business opportunity or saving with this dental plan, con-
tact Paul McCord, PO Box 267, Bryceville, FL 32009-0267 or
email spiderser2003@yahoo.com
* * * * * * * * *
Help your Friends and Family Enjoy Better Health:
Highlander’s at-home business offers immune system balancing
products that are all natural and come in a variety of great fla-
vors. Over 100 patents worldwide and a 90-day guarantee. Call
Tanya or Jason Asklund at (515)835-1319 or visit www.mylegacy-
forlife.net/asklundenterprises
Has Highlander Club helped you forge ahead in business? If so, we
want to hear all the details about your climb to success. Send a let-
ter describing your steps to success to The Editor, Highlander Club
777 S. Flagler Drive, Ste. 800W, West Palm Beach, FL 33401-6163,
USA, Fax (905) 760-2809, and we’ll immediately ship you a beau-
tifully printed cloth Highlander bag containing a Highlander lapel
pin, a handsome Highlander money clip, and an authentic collect-
able coin from centuries gone by. Encased in plastic, this coin is
something you’ll definitely want to display. We reserve the right to
grammatically edit all letters received.
Do you have a legitimate business opportunity you’d like to share
with Highlander Club members? Are you seeking a loan to start a
business? If so, describe your opportunity and we’ll publish it in
our new Highlander Club “Network for Profits.” Send your materi-
al to: The Editor, Highlander Club, 777 S. Flagler Drive, Ste. 800W,
West Palm Beach, FL 33401-6163, USA, Fax (905) 760-2809.
Please note that Highlander Club maintains the “Network for Profits” to
provide a forum for sharing ideas and opportunities. Although every
attempt is made to ensure the accuracy of this information, we can
make no guarantees. We will, of course, make every effort to correct
errors brought to our attention. The inclusion of businesses, opportu-
nities, or offers should not be considered an endorsement of articles,
products, or materials. Nor is it intended to endorse any views
expressed or products or services offered, by the author or organiza-
tion. Highlander Club expects that its members will act with honor, and,
therefore, we trust that the products, services, and business opportuni-
ties mentioned in their advertisements are legitimate. However, we do
not have the resources to investigate every product, service, or business
opportunity that is advertised in the newsletter; therefore, we cannot
personally guarantee what they’re offering.
a series of questions about yourself, and then
GovBenefits.gov returns a list of government benefit pro-
grams you may be eligible to receive along with informa-
tion about how you can apply.
Whether it’s a direct payment, a loan, insurance,
training, or other services—there may be government
benefit programs available to help you. ■
 September 2003 • Volume 8 - Issue 9

But I Wasn’t Like This Before… By Stephen Douglas

Yes, I know, it sneaks up on us all… eyes that start to blur and get tired, creeping weight gain, aches and stiffness
in the morning… We’re getting older, face it. But, let’s acknowledge that we can age gracefully, energetically, and
healthfully. How? We need to embrace nutritional power to reverse and delay these nagging age-related symptoms.
Yes, you are what you eat—so make smart food choices. Best bites: deeply colored fruits and vegetables that are
packed with antioxidants. For years we’ve been told to eat our fruits and vegetables, and now we know why… they’re
full of phytonutrients, antioxidants, and fiber—all powerful allies in the aging process.
Here’s an easy way to think of getting your fill: It’s the 3-2-1 system. Eat three servings of vegetables, two pieces
of fruit, and one whole grain serving, every day and throughout the day.
In one study, men aged 40 to 75 who ate two or more servings a week of tomato products, which are rich in
lycopene, reduced their prostate cancer risk by up to 36% (Journal of the National Cancer Institute, 2002, vol. 94, no.
5). Lutein, an antioxidant found in green leafy vegetables, such as spinach and broccoli, appears to protect against
cataracts and age-related macular degeneration, the major cause of blindness among those over 65 (Journal of
Nutrition, 2002, vol. 132, no. 3).
Thinking of heart health? Don’t forget your legumes, spinach, broccoli, avocados, wheat germ, orange juice,
and fortified cereal. They’re important sources of folate, vitamin B6, and vitamin B12 that work together to reduce
artery-damaging homocysteine in your blood. Most adults over 50 lose their ability to absorb vitamin B12 effec-
tively. That means we should turn to supplements to boost
our “B12-ability.”
Stephen Douglas is an award-
The ideal anti-aging meal… a piece of wild salmon, winning journalist and health
baked. A large bowl of dark green leafy vegetables and specialist. He has contributed
steamed broccoli. And, maybe a side dish of whole-grain to national magazines and
couscous. Oh, and please stay away from soda drinks and written books on health,
nutrition, families, and children.
candy… They add pounds and take away years. ■

How to Use the Internet to Keep More

Money in Your Pocket By Nina Walters

Over the years, as Director of the Highlander Club I’ve met

many wealthy people. I’ve noticed that they all share one
trait in common—no, not just having money—but know-
ing the value of a dollar.
Even though these people are very wealthy (many are
millionaires), they took care before buying
anything…from wine and cigars to automobiles to real
estate. They researched and sought out the lowest price
before they made a purchase.
I’ve come to believe that this is one of the secrets to
financial independence.
The great news is that saving money through bargain
shopping is now easier than ever, thanks to the Internet.
Visit the following web sites to save on anything from
insurance to taxes:
Insurance Comparison Shopping
• http://www.insure.com/ Covers auto, health, homeown-
er’s, life and small-business insurance.
• http://www.immediateannuity.com/ Type in your age
and the size of the annuity you want, and the site gives
a price.
• http://www.term4sale.com/ For term life insurance
information and quotes in the U.S. and Canada.
• http://www.longtermcareinsurance.org/ A good resource
from Long Term Care Insurance National Advisory
Council.
Bargains for Travelers
Domestic Airfare Comparisons: These sites search other
airlines’ web sites for airfare bargains.
• http://www.itasoftware.com/
• http://www.expedia.com/
• http://www.sidestep.com/
• http://www.travelocity.com/

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More Ways to Save Money
• http://www.sidestep.com/ To research the cost of hotel
rooms and car rentals.
• http://www.priceline.com/ For even lower hotel rates,
sometimes less than $40/night for top-quality hotels.
Car Shopping
• AutoByTel.com (http://www.autobytel.com/) A car buy-
ing site that directs you to the dealership that has the
car you’re looking for.
• CarsDirect.com (http://www.carsdirect.com/) Another
car buying site, acts as a broker for you rather than
directing you to a dealer.
• Microsoft Car Point (http://www.carpoint.com/) Has
information on new and used cars, including con-
sumer articles offering buying tips.
• Edmunds.com (http://www.edmunds.com/) The best
place to get pricing information for a new car.
• Kelley Blue Book (http://www.kbb.com/) Lists how
much a used car is worth—i.e. the “blue book cost.”
• ConsumerGuide.com (http://www.consumerguide.com/)
The most comprehensive guide to used cars on the
Internet. Pricing information as well as recall and
repair records are available.
Comparison Shopping
Web-based shopping “bots” search retail sites for the low-
est price on what you want, rank sites by price, and link
to them. Bots are updated daily and display toll-free tele-
phone numbers, item availability, taxes, and shipping
charges.
• http://www.dealtime.com/ A free comparison service
that lists the best price for books, CDs, movies, etc.
• http://www.mysimon.com/ The best-known and largest
Bot scans thousands of merchants by keyword or by
specifying the make or model of the item.
• http://www.pricescan.com/ Searches bricks-and-mortar
retailers as well as on-line vendors.
Discount Sites
Visit these sites often because bargains, promotions, and
coupons expire quickly.
Coupon sites
• http://www.amazing-bargains.com/
• http://www.coupon-codes.net/
Message boards to exchange information
• http://www.mycoupons.com/
• http://www.dealofday.com/
On-line rebate programs
• http://www.ebates.com/
Closeout, overstock or surplus goods
• http://www.overstock.com/
• http://www.sportsmansguide.com/
Outlet shopping
• For links to cyber-outlet sites, price comparisons,
product reviews and discounts of up to 40% visit
http://www.consumerworld.org/
Cut Your Taxes
Stop paying for tax advice you can get for free by sim-
ply visiting the following web sites:
Free From Uncle Sam
The IRS web site, (http://www.irs.gov/) offers:
• Free help from your local IRS office. Including citi-
zen advocacy groups, free tax small-business work-
shops, free counseling for seniors, and much more.
• Timely tax news. The IRS’s e-mail letter provides
national tax news and news of your local IRS district.
• Tax research. Official IRS regulations, rulings, proce-
dures and announcements, along with the IRS manu-
al and many other official documents.
• Free advice. Submit questions to the IRS through its
web site and you’ll receive a response via e-mail.
More Ways to Cut Your Taxes
• U.S. Tax Court. (http://www.ustaxcourt.gov/) Learn
how to use the Court’s “small case division” to contest
a tax bill involving up to $50,000 (excluding penalties
and interest) per year—without a lawyer—and under
simplified rules. This site also lists all Tax Court deci-
sions issued since the beginning of 1999.
• State and local tax agencies. Find a listing of your
local agency plus many local taxpayer advocacy
groups which assist individuals and local businesses at
http://www.taxsites.com/state.html
Answers from Tax Professionals
• E-mail discussion groups. If you want to find infor-
mation on a specific tax matter, you can join a special-
ized Internet discussion group. Usually hosted by pro-
fessional groups and universities, questions and com-
ments are submitted via e-mail to a moderator, who
compiles them in a document that is e-mailed to the
group members. Visit a top discussion forum at:
http://www.tax.org/discuss/discussion.htm This site is
hosted by Tax Analysts and covers topics including
estate taxes, real estate, insurance and pensions. To
find a discussion group on a particular topic use the
University of Chicago’s Law Lists search engine,
http://www.lib.uchicago.edu/cgi-bin/law-lists. Type in
“tax” for a list of tax groups.
You’ve heard the saying “every little bit helps,” and,
as you’ve just learned, a “little bit” of research from the
comfort of your home can add up to a great deal of
savings. ■