The Multimillionaire’s

Handbook

UNKNOWN BUT PROVEN WAYS TO CREATE CASH

WITH A LEXANDER G REEN

 Table of Contents
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

NEST EGG, RETIREMENT AND SOCIAL SECURITY SUPERCHARGERS . . . . . . . . . . . . . . . . . . . . . . . 6

The “Ultra-IRA” – Build Your Personal Nest Egg as High as $3.5 Million Without Paying
ANY Taxes on It. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
A Simple Change Anyone Can Make to Add $3,000 to Their Social Security Payouts .. . . . . . 8
The “Five-Minute Chore” That Will Hand You an Instant 100% on Your Money. Sounds
Too Good to Be True... but It Isn’t!. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Take 10 Minutes to Add $45,000 to as Much as $2.3 Million to Your Retirement Account . . . 10
Approach Your Golden Years Worry-Free With the “Ivy League Retirement Booster”.. . . . . . 11
How to Give Yourself an Instant Raise Easily and Legally – Without Even Asking Your Boss!. . . 13

ADVANCED INVESTING SECRETS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Increase Your Stocks’ Yields From 3% or 4% to More Than 16% . . . . . . . . . . . . . . . . . . . . 13
Trade Stocks Without Commissions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Tap the Profit Power of This Special 10% Yield “Index”. . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
You Must Asset Allocate Your Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Retire 10 Years Earlier Thanks to a “Section-703” IRA . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Rake In 29% Returns (Every 12 Months) With Practically No Risk! . . . . . . . . . . . . . . . . . . 18
The World’s Safest Growth Strategy? Put in $960, Get Back $1,691! . . . . . . . . . . . . . . . . . 18
Avoid $250,000 in Potential Losses by Doing This at Your Bank . . . . . . . . . . . . . . . . . . . . . 19
How to Earn “Dividends” on Non-Dividend-Paying Stocks . . . . . . . . . . . . . . . . . . . . . . . . . 20
Triple the Interest You Earn on Your CDs With This Easy Move . . . . . . . . . . . . . . . . . . . . . . 21
Here’s How to Access One of the Best-Kept Secrets of Sophisticated Investors . . . . . . . . . 21

TAX-SLASHING STRATEGIES AND TECHNIQUES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

The World’s Greatest “Tax Refund”: How to Essentially Pay Your Taxes With Gold
(and Keep the Gold!) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
How to Legally and Ethically Reduce Your Chances of an Audit by 60% to 80% . . . . . . . . 23
Where You Should NEVER Open Up an IRA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Provide Your Family’s Next Newborn With a $2,451,854 Bonanza . . . . . . . . . . . . . . . . . . . . 24
The “Offshore Money Secret” Uncle Sam Needn’t Know About . . . . . . . . . . . . . . . . . . . . . . 25
Why Millions of American Taxpayers Are Throwing Away Thousands a Year (but You Won’t Have To). . 26
Get Rich on America’s Tax-Free Monopoly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
How to Eliminate Probate Fees and Estate Taxes With One Easy Payment . . . . . . . . . . . . . 28
TRAVEL AND LIFESTYLE EDGES AND ADVANTAGES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
How to Take Luxurious All-Expenses-Paid World Cruises for FREE . . . . . . . . . . . . . . . . . . . 29
How to Score Four to Seven FREE Cross-Country Flights Every Year . . . . . . . . . . . . . . . . . . 29
Send Your Kids to Ivy League Schools for Pennies on the Dollar . . . . . . . . . . . . . . . . . . . . . 30
The Easiest Way to Virtually Guarantee a Hotel Room Upgrade . . . . . . . . . . . . . . . . . . . . . . 32
Attend Even the Hottest Sold-Out Concerts and Sporting Events for Half Price or Less . . . 32
Rake In $100s a Month Just for Driving Your Car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Make 14% a Year Collecting Bottles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34

(THE “HIDDEN FILES”) FREEBIES, GIVEAWAYS AND LOOPHOLES . . . . . . . . . . . . . . . . . . . . . . . 34

How the Government Will Pay You $5,000 to Sit In on an Eight-Hour Course . . . . . . . . . . . 34
Little-Known Tactics for Collecting Unclaimed Cash From Sources You Never Imagined. . . 36
The Secret Website Offering Free Cameras, Free Jewelry, Even Free Computers . . . . . . . . . 37
The Single Photo That Could Put $1,000s Extra in Your Pocket . . . . . . . . . . . . . . . . . . . . . . 37
Claim Your Free Subscription to a Top Financial Newspaper. . . . . . . . . . . . . . . . . . . . . . . . 38
How to Save 18% to 19% on Electronics and Luxury Items. . . . . . . . . . . . . . . . . . . . . . . . . 38
How to Fly First Class for Free . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
Participate on Swagbucks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
How to Pay Off Your Mortgage 20 Years Early . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40
 INTRODUCTION
Dear Reader,

The book in your possession, “The Multimillionaire Handbook: Unknown but Proven
Ways to Create Cash,” contains simple and actionable tips from The Oxford Club’s research
team. The Oxford Club’s mission is to provide the solution to the ultimate financial question:
“How do I obtain true financial freedom?” We call this idea “liberty through wealth,” and we
work toward it with everything we do.

Oxford Club publications and emails reach more than 1.6 million unique readers, providing
insight and recommendations based on timeless and proven principles for smart investing.
The Oxford Club boasts more than 194,000 Members worldwide.

And thousands of the people in our circle are regular folks.

Yet we also count among our friends the sort of experts you don’t run into every day.

It’s not by chance.

You see, we’ve sought out these individuals. We’ve spent years building a network of
knowledgeable, trustworthy resources...

Individuals and organizations that provide specific services you’d be hard-pressed to find
anywhere else.

Now, granted, we do believe the majority of your portfolio should be invested in stocks of
solid companies with growing profit streams. And we take a global approach to providing
you with the best ideas available.

But the fact is that you’ll need more than a simple mix of equities and bonds to reach true
financial freedom.

You’ll also need the wealth-building and cash-saving secrets of the “millionaire next door.”

These are the techniques that everyday people use to build million-dollar fortunes... even if
they aren’t the top income earners in America.

I’m talking about ways to save thousands on taxes... travel like a king (but on the cheap)...
get the best return on your investments... and collect cash from little-known programs...

And that’s why we’ve built a network of wealth experts with unique, powerful and actionable
ideas you won’t find anywhere else.

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We’ve shared their ideas individually for many years now.

But we recently realized, with friends like these, why not pool our resources, so to speak?

Why not put together the best ways we know of to get special deals normally unavailable
to most...

And compile these ideas in one place?

That’s just what we’ve done.

Our mission has been to create a sort of user’s guide to capturing free money, perks, giveaways
and the wealthy’s favorite tax loopholes to help you live a richer and more fulfilling life.

And so, today, we present you with another resource to aid you in your pursuit of “liberty
through wealth.”

Sincerely,

Alexander Green
Chief Investment Strategist
The Oxford Club

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 NEST EGG, RETIREMENT AND SOCIAL
SECURITY SUPERCHARGERS
#1 The “Ultra-IRA” – Build Your Personal Nest Egg as High as
$3.5 Million... Without Paying ANY Taxes on It
If you’re a pre-retiree or retiree, you are likely familiar with limits to IRA contributions.
Broadly speaking, you can put in about $6,500 a year ($6,000 for those under 50 years old
and $7,000 if you’re age 50 or older)... without paying any taxes upfront.

That’s great and all...

But $6,500 isn’t much when you look at the big picture.

At 6% interest, you’d need 39 years to reach just $1 million with that kind of money. You
may not have 20, 30 or 40 years...

But there is good news...

We’ve uncovered a unique strategy that may change everything you know about retirement
planning. We call it the “Ultra-IRA.”

Essentially, it’s a way to build your personal retirement as high as $3.5 million, without
paying ANY taxes on it.

And, of course, the ultra-rich have been using this strategy for years. They use it to not only
build their wealth but also protect it and pass it on to the next generation.

No one is sure exactly how many people are using this strategy because information about
personal finances isn’t generally available to the public. But there have been some cases where
the information was made public... and the returns have been phenomenal.

In 2010, Max R. Levchin, former chairman of Yelp (NYSE: YELP), sold 3.1 million shares
of Yelp held in his Roth IRA. Most of the $10.1 million he received was profit. But Levchin,
a 36-year-old serial entrepreneur who started PayPal with billionaire Peter Thiel in 1998,
won’t ever have to pay a penny of income tax on those gains.

That’s because all earnings in a Roth IRA are tax-free so long as its owner waits until age
59 1/2 to take money out.

If Levchin doesn’t spend his mega-Roth in retirement, he can leave it to his kids or grandkids,
who can, under current law, stretch out income-tax-free growth and withdrawals for decades.
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Another beneficiary of the Ultra-IRA was senator and former presidential candidate
Mitt Romney.

When Romney was running for president back in 2012, there were numerous calls from all
sides for him to reveal his tax records and information relating to his assets. One of the most
interesting bits of information to come out of those requests was that Romney has an IRA
with a value of anywhere between $21 million and $102 million.

That’s a wide margin, but the bottom line is that Romney has an IRA that is worth millions
of dollars...

A feat that mystified many, considering that the contribution limit for an IRA is rather low
(and even lower in the years Romney was building his own IRA).

It turns out that Romney was doing something very similar to Levchin... investing in high-
growth companies and nontraditional assets in his retirement account.

The beauty of this strategy is that it is not just the well-off who can take advantage of it...
You can too.

More and more Americans are starting to use this technique to build tax-free multimillion-
dollar retirement accounts, according to a GAO (Government Accountability Office) report.

Bottom line: When this strategy works, it can be one of the most powerful moneymaking
techniques you’ve ever encountered.

In short, this involves opening a self-directed IRA and investing in “nontraditional”

assets. We’re talking about private equity, hedge funds, real estate, small speculative
companies, etc.

(Note: You must understand that this is high-risk, high-reward investing. This is not for
everybody, and you need to be able to accept a high degree of risk in return for the potential
to earn much higher returns than are customary with traditional investments.)

This is something you shouldn’t do (or in many cases – like investing in non-publicly traded
stock – aren’t allowed to do) on your own. You will generally need to use a special custodian
who handles self-directed IRAs.

How do you find these companies? Well, one resource we highly recommend is Next
Generation Trust Company, a professional third-party administrator of self-directed
retirement plans.

Its self-directed retirement plans allow individuals to invest in a broad range of non-publicly
traded alternative assets that are not typically found in an IRA. These include real estate, all
types of loans, precious metals, commodities, private equity, hedge funds and much more.
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Next Generation Trust Company is also a member of The Oxford Club’s Pillar One
Advisors network.

All Pillar One Advisors are fully vetted and are a perfect complement to the Club’s own strategies
and recommendations: managing assets, minimizing taxes and securing wealth for the future.

Next Generation Trust Company

Ms. Jaime Raskulinecz, CEO
Toll-free: 888.857.8058
Email: info@NextGenerationTrust.com
Website: www.NextGenerationTrust.com

#2 A Simple Change Anyone Can Make to Add $3,000 to

Their Social Security Payouts
The average Social Security recipient right now now receives about $18,516 in annual
Social Security benefits.

This change we’re suggesting represents a 20% increase – the equivalent of an extra $300
every month – for doing nothing more than informing the Social Security Administration
that you want to make it.

It’s not life-changing.

But as far as free money goes, I think an extra $3,607 a year is pretty good, particularly
when the method for getting it doesn’t require much effort.

Welcome to the Social Security-claiming world of “start-stop-start,” a sophisticated strategy

that can add big bucks to your lifetime benefits if properly used.

For retirees who need added income temporarily, turning your Social Security benefit on
and off can be a smart move. It may also help your family over the long term.

Let’s start with the basics. Delaying benefits until age 70 allows your benefits to reach their
highest level. Collecting benefits as early as age 62 will reduce benefits by the biggest percentage.

If you take reduced benefits early – before reaching your full retirement age (FRA) – you
generally are stuck at those reduced benefit levels until you reach your FRA. (Your FRA will
be between age 66 and 67, depending on your date of birth.)

Once you file early, you’re stuck with that reduced benefit until you hit your FRA. This is the
“start” phase.

But once the FRA is hit, you have the choice of suspending your benefits for as long as four
years. This is the “stop” part of start-stop-start.
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Now, here’s where it gets interesting...

During this “stop” period, your benefits will earn delayed retirement credits.

If you suspend for the full four years before “restarting,” your benefit will be 32% higher
than when it was suspended.

Understand that your benefits at age 70 will still be less than if you had never claimed a reduced
benefit. But they’ll still be much higher than if you had never suspended them at your FRA.

Here’s a simple example: Say you are due a $1,000 retirement benefit at your full retirement age
of 66. It will rise 32% to $1,320 a month (in real, inflation-adjusted terms) if you wait to claim
until you turn 70. It will be reduced 25% to $750 a month if you claim early at age 62.

However, that $750 will rise by 32% to $990 a month if you suspend at age 66 (the “stop”)
and resume (the second “start”) at age 70.

That’s a lot more than $750, of course, and in fact you’ll get an additional $2,880 per year –
nearly $3,000!

It’s still far short of the $1,320 you’d get each month if you never claimed benefits at all until
you turned 70.

But this can be a great solution for those in a temporary financial bind.

(Editor’s Note: Please contact your financial planner or tax advisor about what is the best
strategy for you. In addition, you can go to the Social Security Administration website for
the latest information on benefits and policies: www.ssa.gov.)

#3 The “Five-Minute Chore” That Will Hand You an Instant 100% on

Your Money. Sounds Too Good to Be True... but It Isn’t!
This one is really simple, but the return on your investment is fantastic... and few investors
take full advantage of it.

It involves your company 401(k) plan. The “five-minute chore” is simply filling out the
minimal paperwork that says you want to contribute and indicating the percentage of your
salary you wish to put in.

If you’re one of the lucky ones, your employer will match a certain percentage of whatever
you place in your 401(k).

In 401(k) plans that provide a matching contribution, each year that you contribute to your plan,
typically the employer will match a specific percentage of your contribution, dollar for dollar.
9
Your employer match is an immediate 100% return on your investment. You automatically
make 100% on those matched dollars before you’ve even invested the money.

That’s why it’s critical you contribute up to the amount your employer will match (at the
very least).

And, of course, the employer’s contribution becomes yours, and you earn a tax-free return
on those funds in addition to what you’ve contributed.

You are crazy if you do not take advantage of this. It is the simplest, most reliable way you
can find to double your money... Plus, there’s another big advantage.

You get tax savings. Contributions to your 401(k) are not counted in your taxable income...
any contributions you make help reduce your tax burden.

#4 Take 10 Minutes to Add $45,000 to as Much as $2.3 Million to Your

Retirement Account
For this strategy to work, we’re asking that you take approximately 10 minutes each year and
evaluate your investment portfolio from a tax perspective. No matter how much you handed
Uncle Sam this year, there are ways to ensure you spend less next year.

The Oxford Club’s Chief Investment Strategist Alexander Green lays out five specific steps
to help you maximize what you keep come tax season:

1. Outside your retirement accounts, shift all or most of your Treasury and corporate
bonds to municipal bonds. They will compound tax-free.

2. Do your short-term trading in your IRA or other qualified retirement accounts.

That way, instead of paying taxes of up to 37% on realized gains, your money will
grow tax-deferred.

3. Outside your retirement account, hold your stocks for 12 months or more to qualify
for more favorable long-term capital gains tax treatment.

4. Hold your tax-efficient assets – like individual stocks, exchange-traded funds (ETFs)
and index funds – in your nonretirement accounts. Hold your tax-inefficient
investments – like bonds, real estate investment trusts and high-dividend-paying
stocks – in your retirement account. This minimizes the annual tax bite from the IRS.

5. At the end of each year, take capital losses to offset realized capital gains. (You can
buy the same securities back after 30 days.) And when possible, take an additional
$3,000 in losses against earned income. Any unused losses can be carried forward
for use in future years.
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To avoid paying more than your “fair share,” it’s important to recognize and take advantage
of the incentives built into the tax code. As Alex says, “It’s not how much you make... It’s how
much you keep.”

The important thing is to recognize and take advantage of the incentives built into the tax code.

If you don’t think the savings can be substantial, take a look at the chart below.

If the stock market returns 11% a year, and you give up 2% to taxes and 2% to costs, that’s
actually almost 20% of your annual return every year. So it can make a huge long-term
difference.

The chart compares keeping your taxes and your costs to a minimum versus the same return,
11%, and paying 2% in taxes and 2% in costs, which is, according to a Vanguard study, what
the average investor pays.

The chart compares keeping your taxes and your costs to a minimum like Investor B versus
the same return, 11%, and paying 2% in taxes and 2% in costs, which is, according to a
Vanguard study, what the average investor (Investor A) pays.

Investor A Investor B
Start $250,000 $250,000
5 years $350,638 $421,265
10 years $491,788 $709,855
15 years $689,758 $1,196,147
20 years $967,421 $2,015,578
25 years $1,356,858 $3,396,466
30 years $1,903,064 $5,723,074

#5 Approach Your Golden Years Worry-Free With the

“Ivy League Retirement Booster”
If you’re one of the many people who haven’t saved enough for retirement... this strategy
may be for you. There is a way to “catch up” and possibly retire earlier, make your money last
longer and live better in retirement.

How? We call it the “Ivy League Retirement Booster.”

The key to this strategy is to use borrowed funds, or leveraged financial instruments, to increase
the potential return of an investment.
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So understand that you are taking on more risk. But that is often what you have to do to get
higher returns. If you have only a short time to build your retirement nest egg, this may be
what’s necessary.

A study by two Yale professors shows that people’s “expected retirement wealth is 90%
higher” if they use leverage, and that it would allow people to retire years earlier “or extend
their standard of living during retirement by 27 years.”

Using leverage to buy stocks may seem extravagant, but consider some other purchases where
it is a standard practice...

For instance, buying a house with a mortgage loan or taking out a student loan for education.

Here’s how leverage works...

Say you buy a house for $100,000 and put 10% down. Your equity (the part you own) is
$10,000 and you borrow the remaining $90,000 with a mortgage. If the value of the house
rises to $120,000 and you sell, you will make a profit of 100%.

How? The $20,000 gain on the property represents a gain of 20% on the purchase price of
$100,000. However, since your investment is only $10,000 (the down payment), your gain
works out to 100%.

The same thing happens when you buy a stock using leverage.

Suppose that you want to buy 100 shares of a stock you think will go up in value. It’s $40 per
share. Normally, investors will just buy 100 shares with cash (that’s $4,000).

But let’s say you buy those 100 shares using 50% leverage and borrow the remaining 50%
(that means you put up $2,000 and borrow the remaining $2,000). So, if the stock rose
10%, your gain (of $400) would actually be 20% of your real investment.

If you have a stock that also pays a dividend, you’ve got even greater profits.

The beauty of this strategy is that it frees up your cash for additional investments (in the
example above, you have an additional $2,000 to invest and earn money on).

If you’re going to use leverage to supercharge your portfolio returns, I suggest using margin
buying – the act of borrowing money from your brokerage firm and reinvesting it in the
market.

The key to success, of course, is to get a greater return from your investments than you are
paying on the margin rate.

And let’s making something clear: Borrowing on margin will amplify both the gains and
losses from an investment, so keep the amount you borrow relatively small.
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 #6 How to Give Yourself an Instant Raise Easily and Legally –
Without Even Asking Your Boss!
Most people are thrilled when they get a big tax refund check back from the IRS. They
shouldn’t be. That just means the IRS has been using your money all year... instead of you
using it.

Your W-4, the wonderful IRS form you filled out so the government can get its hands on your
money every payday, is going to become your new best friend... It’s going to give you a raise.

Like almost everyone, you’ve filled out your W-4 and added your spouse and perhaps a child
or two as deductions. But if you are consistently getting a huge refund check back from the
IRS, you need to make some changes.

The secret is about taking back YOUR OWN MONEY and not giving Uncle Sam an
interest-free loan any longer.

You can do this by simply increasing the number of deductions/allowances you are currently
taking and keep a bigger portion of each paycheck for yourself. You should aim for zero
difference between the amount the IRS has withheld and the amount that you actually have
to pay in taxes. Basically, answer the W-4 Form allowance questions honestly and precisely
how your situation dictates. You just need to walk through each of the questions in detail.
You can even consider the additional worksheets on the back for itemized deductions and
two-income earners. And remember, you will need to complete a W-4 Form each time your
situation changes, not just once a year.

You will need to go through the human resources department at your place of work and ask
to update your W-4. The idea is simply to adjust the number of dependents or allowances so
LESS is taken out of your paycheck every pay period.

There... you’ve just given yourself a raise. That’s how easy it is. No more free loans to Uncle
Sam. Now you get to use and invest your money for the full year.

ADVANCED INVESTING SECRETS

#7 Increase Your Stocks’ Yields From 3% or 4% to More Than 16%
There’s a simple and conservative way to generate double-digit annual yields or higher with
just a few trades a year.

The best part is you will be holding these investments for only a very short time. I refer to it
as “renting” quality dividend-paying companies.
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Better yet, you’re not going way out on the risk spectrum to get these returns.

That’s right. Earning 16% or more annually with low risk is possible. And here’s how it works...

You purchase a stock with a decent yield and an upcoming ex-dividend date. You also sell a
covered call on the stock with an expiration date after the ex-dividend date.

If the stock is below the strike price at expiration, you keep the stock and sell another
covered call that expires slightly after the next ex-dividend date.

When the stock is above the strike price, it will get called away by the person holding the
option. In this case, you sell the stock at the strike price and find another stock to repeat
the process.

Let’s look at an example: XYZ stock is trading at $36.91. Its ex-dividend date is in six weeks.
Shareholders will receive a dividend of $0.28 per share. You sell a $37 call option that expires
right after the ex-dividend date for $1.14.

At expiration, if the stock is selling for less than the option strike price, you would collect
$1.42 per share – the total of your dividend plus the option premium – and earn 3.8% in
just six weeks. Annualized, that comes out to 33.2%.

If the stock is trading above $37 at expiration, you’d be forced to sell the stock, pocketing
an extra $0.09 capital gain... increasing your total yield to 4.1%, or 35.4% annualized.

That’s what I mean by “renting” the stock instead of buying it. You’re perfectly happy to sell
your stock at a slight profit while collecting a big chunk of income in a short period of time.
If your stock is sold, you just find another stock and repeat the process.

However, if your stock is not called away, you just do it again.

It’s quite simple with the right discipline. The idea is to multiply the dividends by selling
the covered call options. You generate returns not only from capital appreciation but also
from call premiums and dividend payments.

#8 Trade Stocks Without Commissions

How would you like to make trades for free? Well... now you can. Here’s how it came
about...

In 2010, two Stanford University roommates, Vladimir Tenev and Baiju Bhatt, showed up at
Wall Street’s doorstep to help hedge funds and banks build high-frequency software systems.

As they began developing algorithms to lower the cost of trades on the brokerage side, they
stumbled upon some important information...
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They learned that the cost of trading for large institutions had fallen to a fraction of a cent.
Yet retail investors were still paying $7 to $10 per online transaction.

Tenev and Bhatt wondered whether they could bring the advantages of the institutions to the
masses. Could they provide retail investors zero-commission trades and run a profitable business?

Their answer was yes. So the idea for their zero-cost trading platform, www.robinhood.com,
was born. They created an app that you can access through your Apple or Android phone
and use to trade stocks commission-free.

There are no trading fees and no account minimums, and the app itself is free to download.

Unlike the Robin Hood of English folklore, Tenev and Bhatt aren’t literally stealing from
the rich and giving to the poor. They are just taking a large-scale system – that currently
only institutions and hedge funds are privy to – and making it work for everyone.

I know what you’re thinking: “If there are no costs, how does the app make money?”

Since it can’t make money on trade commissions, it generates revenue by earning interest
on users’ cash balances and margin lending. Earning interest on cash balances is already a
standard practice by banks, brokerages and financial institutions.

Since launching in December of 2014, hundreds of thousands of people have signed on.
Robinhood estimates that it has saved investors more than $12 million in commissions
while transacting more than $500 million in trades.

Robinhood has changed the game when it comes to commissions and fees in investing.
Most brokers have adopted its low-fee/no-fee model. But while most brokers now charge
nothing in the way of fees, Robinhood remains the original game changer. Get the app and
join in on the savings.

#9 Tap the Profit Power of This Special 10% Yield “Index”

This undercover play has averaged 10% gains over the past 40 years and has grown a jaw-
dropping 138% over the past decade. Even the worst-performing instrument in this index
has more than doubled over the past 10 years.

Yet you’d likely never guess the investment behind this winner...

Stamps!

Few folks know it, but more than $7 billion worth of stamps trades hands each year. And get this:
The track record for stamp collectors cannot be beat by anything you can buy on Wall Street.

Take, for example, the GB Rarities Index. It is a basket of 30 of the most prized stamps on

15
the planet. Own any of these stamps, and the last decade has treated you very well. As we
mentioned, even the worst-performing stamp in the index has more than doubled over the
past 10 years.

Add rare stamps to your portfolio with The Oxford Club’s Pillar One Advisor Asset
Strategies International.

Over the past 20 years, the Rare Stamp Index has outperformed stock markets, property
and even gold. These rare tangible assets are increasingly in demand from investors seeking
diversification into an uncorrelated asset class.

Contact Rich Checkan at Asset Strategies International. He can help you get your hands
on at least a few of the stamps in this broader index, or thousands of others. (Oxford Club
Members, log in to OxfordClub.com to check out our Pillar One benefits.) If you would
like to see all the benefits of Oxford Club Membership, visit us here.

Asset Strategies International

Michael Checkan and Rich Checkan
1700 Rockville Pike, Suite 400
Rockville, MD 20852-1631
Toll-free: 800.831.0007
Website: www.assetstrategies.com
Email: infoasi@assetstrategies.com

#10 You Must Asset Allocate Your Portfolio

“Asset” and “allocation” are the two words that represent the holy grail of investing.

They’re the secret of how so many of our longtime Members got rich and stay rich.

Quite simply, asset allocation is the process of determining the most effective, optimal mix of
investment opportunities, including stocks, bonds, cash and real estate arranged in a diversified
mix that suits your investment style, your risk tolerance and how fast you need to cash in returns.

How important is asset allocation? Extremely.

Ibbotson Associates, a highly regarded financial research firm, did a study to identify the primary
reasons for the success or failure of different investment portfolios. The answers it came up with
certainly weren’t what Wall Street wanted to see. It found that only 5% of investment returns
could be explained by “investment selection.” Far more importantly, it found that asset allocation
accounted for nearly 90% of investment returns!

Let’s take the first steps to breaking down your total investment funds into asset classes. An asset
class is a group of securities that have similar financial characteristics. There are a lot of asset
classes available today. But the five principal types of long-term investments are stocks, bonds,
16
real estate, precious metals and cash (meaning highly liquid and secure short-term instruments,
such as T-bills, money market funds and certificates of deposit, or CDs). When astutely
mixed together, they can smooth out the volatility (or variability) of your returns – even while
increasing them! And that’s the whole point of proper asset allocation.

Investors who are looking forward five to 10 years or more should consider something along the
lines of...

• 60% stocks
• 20% bonds
• 10% cash/Treasurys
• 5% precious metals
• 5% real estate.

Asset allocation is the best way to ensure your portfolio is a stable profit-making machine for
years to come.

#11 Retire 10 Years Earlier Thanks to a “Section-703” IRA

The fact is, the typical investor earned roughly 5% on average over the last two decades.
But some folks are now collecting many times more income, over time, than the
average investor.

How are they doing it? It’s called a “Section-703 IRA,” and this little-discussed strategy could
help you retire years and even decades sooner than everybody else.

If you’ve ignored the power of dividend-growth stocks, you’ve missed out on the generous
returns they’ve produced over the long term.

From 2000 to 2009, the S&P 500 was down 9%. But if you owned a portfolio consisting
of the S&P 500 Dividend Aristocrat Index – S&P stocks with a 25-year track record of
annual dividend raises – your stocks would have finished 87% higher.

The idea is to use a DRIP, or dividend reinvestment plan. This strategy allows you to use your
dividend payments to purchase more dividend-paying shares.

These newly purchased shares pay you more dividends, which you then use to purchase more
stock... and you repeat the cycle.

Marc Lichtenfeld, our Chief Income Strategist, calls this technique the “Section-703” plan –
in reference to an obscure stock exchange regulation on dividend-paying stocks. He also calls
this his 10-11-12 System.
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It has been proven to provide investors with 11% yields in 10 years or 12% average annual
returns in 10 years with dividends reinvested.

Once you discover the simple beauty of these stocks and the returns they can produce for
you over the long term, you’ll wonder why more investors don’t give them more attention.

#12 Rake In 29% Returns (Every 12 Months) With Practically No Risk!

There are few layups in the investment world. So when you see one, YOU MUST TAKE IT.

This one is a guaranteed 29% return, instantly, with no risk. But you’d be surprised how
many people overlook or underfund this opportunity.

Here’s the “secret”: You must always – with NO EXCEPTION – fund your IRA to the
maximum allowable amount. Here’s why...

Let’s do the math together. Currently, a traditional IRA allows for a maximum of $6,000
($7,000 if you’re age 50 or older) to be deposited each year.

We’ll assume that you are in the 24% federal tax bracket and that your state has a 5% income
tax, for a combined income tax rate of 29%.

Let’s say your annual taxable income is $60,000. Your tax on this would be $17,400
($60,000 times 29%).

Put the full $6,000 into an IRA, and your taxable income becomes $54,000.

Your tax on that would be $15,660 – $1,740 less. That’s EXACTLY like making 29% without
any risk ($1,740 divided by $6,000 equals 29%).

#13 The World’s Safest Growth Strategy? Put in $960, Get Back $1,691!
I can pretty much promise you’re not going to hear about this anywhere else. It doesn’t
involve stocks, banks, gold, munis, collectibles or real estate.

Yet before you even put down a stake here, you will KNOW ahead of time just how much
money you’re set to make.

This strategy takes so many of the “what ifs” out of investing.

And our in-house expert is one of the country’s leading authorities on it.

In a world saturated with stock market talk, we rarely hear of bonds except in regard to
minimizing portfolio risk.

Yet corporate bonds can, for many investors, be the best thing they can do with their money.
18
And here’s why: Corporate bonds are a predictable, reliable way to make exceptional returns
outside of the stock market.

From the date you own it to the date the bond matures, you’re earning interest. You can sit
back, relax and get paid consistently.

Better yet, you can earn higher yields from bonds purchased at a discount. For example,
you can buy 10 corporate bonds at par – $1,000 – and get back $10,600 (on a bond paying
6% interest).

But what if you could purchase the same 10 bonds at a discount, say for $900, and still
receive the same $600 in interest?

This would effectively increase not only your bond yield but also your overall return.

Bond prices fluctuate much like stock prices do. The key is to buy high-quality bonds when
they are selling at a discount.

It’s a simple way to improve your returns, but very few individual investors are following
the bond market, so they don’t take advantage of it.

On the other hand, Chief Income Strategist Marc Lichtenfeld takes full advantage of this
technique to maximize his success.

Another key part of his strategy is having a staggered portfolio, in which at least one bond
matures each year, returning back to you your full principal to be reinvested.

Short-maturity bonds, lasting two to five years, are the best way to ensure your principal is
not sitting for too long and being chipped away by inflation.

In summary, buy high-quality bonds at a discount with a decent dividend, collect the cash
and enjoy the peace of mind.

#14 Avoid $250,000 in Potential Losses by Doing This at Your Bank

This strategy is all about properly structuring your bank accounts so that you are covered
by your bank’s insurance.

In general, people with money in the bank know that the Federal Deposit Insurance
Corporation (FDIC) insures bank deposits up to $250,000.

What many don’t understand is the rules on how that insurance is applied.

By understanding exactly how FDIC insurance works, you can save yourself a bundle if
your bank ever runs into trouble.
19
The main thing you need to understand about the FDIC insurance is that it applies to the
depositor, not to the account(s).

Let me give you some examples...

A depositor who had 10 individual bank accounts of $25,000 each for a total of $250,000
at one bank would be fully insured up to $250,000.

However, a depositor who had three individual accounts of $250,000 each for a total of
$750,000 at one bank would be insured only to $250,000 and not to $750,000.

So to preserve your hard-earned cash, don’t make the mistake of having more than $250,000
in any single name at one bank.

#15 How to Earn “Dividends” on Non-Dividend-Paying Stocks

We know this sounds nonsensical at first. But there is a perfectly legitimate way to collect
payments from stocks that don’t pay a dividend.

Here’s how it works.

Say you have some favorite stocks you own, but they don’t pay dividends and you need some
additional income right away.

Here’s what you do... sell covered calls to generate income on the stocks you own.

A “covered call” is an income-producing strategy where you sell, or “write,” call options
against shares of stock you already own.

Typically, you’ll sell one contract for every 100 shares of stock. In exchange for selling the
call options, you collect an option premium. That option premium is an immediate payment
on your stock. In essence, a “dividend.”

Generally viewed as a conservative strategy, covered call writing has been used for years by
professional investors to increase their investment income.

But individual investors can also benefit from this simple, effective option strategy by taking
the time to learn it.

By doing so, investors will add to their own investment income while not limiting themselves
to traditional dividend-paying stocks.

#16 Triple the Interest You Earn on Your CDs With This Easy Move
Unless you’re one of those rare Americans who has a foreign bank account or who bought a
modest amount of foreign currencies or securities, everything you own is in U.S. dollars.
20
And right now, that could be incredibly detrimental to your financial well-being.

Why? First, over the long term, the U.S. dollar’s value has declined and your purchasing
power has been reduced. Think about it. If everything you own is in dollars and the dollar
loses 20% of its value – even if you did nothing at all with your money – your net worth
has caved significantly relative to what it could have been had you diversified.

Second, with interest rates so low in the United States, it’s hard to get a decent return on
your bank CDs. What’s an investor to do? Look overseas. For American investors, this is a
chance to profit in two ways at the same time.

• You can earn higher-than-stateside interest rates.

• When you convert your pounds, euros and yen back into U.S. dollars,
you will sometimes find that they have earned an additional 25% to 50%
in currency conversion.

Not all countries are hell-bent on zero percent interest rates. In fact, there are dozens that
are willing to pay you much more than you can receive here at home. And the good news is
that you never have to leave your living room to get them. Go online and look to see who
is offering foreign currency CDs.

Many reputable banks and investment firms are offering foreign currency CDs – sometimes
referred to as world currency CDs – that can pay three or more times (depending on the risk
you want to take on) the interest rate that U.S. bank CDs will pay you.

Furthermore, there’s absolutely no reason you shouldn’t buy the government bonds of other
sovereign nations. And considering how well these bonds pay (again, especially considering
the extremely low rates paid on U.S. Treasurys), there are plenty of reasons you should.

#17 Here’s How to Access One of the Best-Kept Secrets of

Sophisticated Investors
Managed futures accounts have been one of the best-kept secrets of the sophisticated
investing class.

Primarily because of high opening minimums and high net worth requirements, most
individual investors have never heard of them.

Plus, the returns have been so sweet, sophisticated investors didn’t want to share this.

But thanks to managed futures funds this investing technique is now open to a much
larger population.

One of the best managers of futures funds we’ve found is Pillar One Advisor RMB Group.
21
Founded in 1984, the RMB Group is a full-service futures and futures options broker,
offering managed futures accounts as well as guided retail accounts.

The RMB Group is able to keep opening minimums down to as little as $15,000 in some
cases, and in many more cases, these minimums are $25,000 to $50,000.

To learn more about how managed futures work and their incredible track record, contact
the RMB Group.

RMB Group
Sue Rutsen
Toll-free: 800.345.7026
Email: suerutsen@rmbgroup.com
Website: www.rmbgroup.com

TAX-SLASHING STRATEGIES AND TECHNIQUES

#18 The World’s Greatest “Tax Refund”: How to Essentially Pay
Your Taxes With Gold (and Keep the Gold!)
Today, I want to tell you about a secret that could hand you thousands of extra dollars
every year.

As crazy as it sounds, you can claim this cash using a government loophole that gives
preferred treatment to gold and precious metals.

Using this little trick will essentially pay your taxes with gold.

But there’s a second part to this secret.

And it’s the real kicker...

After you’ve reduced your tax liability enough to cover your tax bill, you then get to keep
every ounce of the gold you just used to pay your taxes!

This strategy works because there is no wash rule for gold and precious metals.

In other words, you can sell it, lock in a tax loss and immediately buy back the same gold.
There is no 31-day waiting period before you can repurchase... like there is with stocks.

It effectively allows a person who bought gold at a higher price to use today’s lower prices
to lock in a tax loss on gold without giving up physical ownership of it.
22
Depending on what your estimated tax burden is, you sell enough gold to cover that amount.
The gold is then immediately bought back.

It’s the best of both worlds. You’ve taken care of your tax liability, kept your gold and can
benefit from any sudden upturn in prices.

For the finer details and how to implement them, contact Michael Checkan at Asset
Strategies International, an Oxford Club Pillar One Advisor. Ask about his strategy known
as the Precious Metals Tax Swap.

Asset Strategies International

Michael Checkan and Rich Checkan
1700 Rockville Pike, Suite 400
Rockville, MD 20852-1631
Toll-free: 800.831.0007
Website: www.assetstrategies.com
Email: infoasi@assetstrategies.com

#19 How to Legally and Ethically Reduce Your Chances of an Audit by

60% to 80%
IRS statistics themselves prove one little adjustment to your financial situation can drastically
reduce your chances of an audit.

And here’s the kicker: You can use this trick while you wind up paying even LESS in taxes.

What are we talking about? Incorporating your side business or moneymaking hobby!

Of course, there are plenty of reasons you might want to start a side business at some point
in your life.

And with that comes the idea of putting the business under the umbrella of a corporation
or LLC.

For starters, if you’re set up as a formal business, this will reduce your personal liability.

Secondly, corporations actually can get more deductions than you can as an individual.

But there’s another big benefit that’s quite counterintuitive. Statistically, the IRS audits far
fewer business returns than it does personal returns! Every year, the IRS does a study on the
types of returns it audits.

And as it turns out, when people file partnership returns, Subchapter S corporate returns and
C corporate returns, the audit selection rate is about one-half of 1%, as opposed to the audit
selection rate for your individual 1040, which could be as high as 2% to 4%.
23
(Editor’s Note: The Oxford Club does not act as a tax advisor or advocate the use of any
specific strategy for all its Members. Tax strategies recommended in this publication should
be made only after consulting with your financial planner or tax advisor.)

#20 Where You Should NEVER Open Up an IRA

Common sense tells most folks their local bank is the place to go when it’s time to set up
an IRA. But here’s why “common sense” could send you to the poorhouse!

Never, under any circumstances, open an IRA at a local community bank! Your investment
choices are too limited.

Use a mutual fund company like Vanguard, T. Rowe Price or Fidelity.

If you want more flexibility, try an online discount brokerage such as TD Ameritrade or
optionsXpress!

Local banks offer up IRAs as a clever disguise to get you to pump money into CDs that
offer an extremely low yield.

With the best five-year CDs paying just more than 1%, you can’t even keep up with
inflation. You could do much better in so many other investments. Why limit yourself?

Use our suggestion instead and retire richer than most folks.

#21 Provide Your Family’s Next Newborn With a $2,451,854 Bonanza

Everyone loves welcoming the new child or grandchild with a nice little gift.

How about you set them up with a couple million dollars instead?

They’ll be thanking you when they turn 65 and have a $2.4 million (tax-free) nest egg.

Here’s how it works...

This strategy takes advantage of the gift tax exclusion and the Uniform Gifts to Minors
Act (UGMA).

As of 2020, any individual can annually make an unlimited number of $15,000 (or less)
gifts of cash or other property, tax-free, to another individual.

Any amount over that limit to any one individual is subject to the federal gift tax.

The money given to the child gets deposited into an UGMA account held in a custodian’s
name (usually one or both of the parents).
24
 Open that account at a mutual fund company, invest the funds in a stock index fund,
reinvest all capital gains and dividends, and benefit from the average historical returns
provided by the stock market.

Here is a chart that shows, by starting age, the contributions at the limits needed to be a
millionaire by age 65.

Contributions Needed to Be a Millionaire at Retirement Based on a 10% Return

Starting age 0 0 9 16 32 44
Years until age 65 65 65 56 49 33 21
Total contribution $5,500 $11,000 $5,500 $11,000 $93,500 $280,000
Annual contribution $5,500 x 1 $5,500 x 2 $5,500 x 1 $5,500 x 2 $5,500 x 17 $17,500 x 16
Balance at age 65 $2,451,854 $4,680,811 $1,039,825 $1,018,681 $1,024,660 $1,013,204

A small contribution of $5,500 made at birth compounds to $2,451,854 at retirement.

If you make the same contribution for the first two years, the account grows to an eye-
popping $4,680,811.

#22 The “Offshore Money Secret” Uncle Sam Needn’t Know About
There’s one remaining offshore money haven most people have never heard about.
Legally, you don’t have to report it, and your money can grow tax-free.

It’s easier than you think with this little-used technique...

These days, most everyone interested in offshore investing is aware that the IRS is drastically
tightening regulations on U.S. citizens’ holdings of offshore accounts.

This is happening because of FATCA, the Foreign Account Tax Compliance Act. The law
was passed in 2010 to crack down on the use of offshore banks to hide taxable assets. But
the IRS is using FATCA to levy huge fines on foreign banks for noncompliance and go after
individuals for tax evasion.

The IRS has also reclassified what it considers a “foreign financial asset” and is coming down
hard on investors deemed to be dodging their due tax burdens. However, foreign real estate
does not qualify as a “foreign financial asset” and therefore there is no tax or reporting rules
other than those that apply to your ownership of property stateside. In other words, your real
estate is nonreportable – until you sell and repatriate the funds.

If you own an offshore account, or are considering opening one and want further information
about how to facilitate it within FATCA requirements, contact Archer Attorneys at Law.
25
Archer Attorneys at Law
Kenneth Ahl, Partner
Three Logan Square
1717 Arch Street, Suite 3500
Philadelphia, PA 19103
Office: 215.963.3300
Email: kahl@archerlaw.com
Website: www.archerlaw.com

(Editor’s Note: The Oxford Club does not act as a tax advisor or advocate the use of any
specific strategy for all of its Members. Tax strategies recommended in this publication
should be made only after consulting with your financial planner or tax advisor.)

#23 Why Millions of American Taxpayers Are Throwing Away Thousands

a Year (but You Won’t Have To)
This money-saver is all about effectively using the contribution “catch-up” provision in
retirement accounts.

Congress added a catch-up contribution option to retirement plans out of concern that baby
boomers hadn’t been saving enough for retirement.

This new option enables savers age 50 and over to increase contributions at a time when
retirement draws near. Age-50 catch-up contributions are possible in 401(k), 403(b) and
457 plans, as well as IRAs, but the rules differ among them.

For our purposes, we’ll focuses on 401(k) plans.

Money put into a 401(k) plan is contributed on a “pre-tax basis,” meaning the amount
contributed is not included in your taxable income. It directly reduces your adjusted
gross income.

If you’re over 50 years old, for example, in a traditional 401(k), you can actually contribute
up to $26,000. If you’re in the 32% tax bracket ($84,201 to $160,725 per year for
individual taxpayers) and you take advantage of the full $26,000 contribution, that’s
$8,320 worth of tax savings in the year you put the money into your savings.

Think about that for a minute. The government is saying, “We’ll give you a an $8,320 tax
break if you put $26,000 away for your retirement.” And remember, these are just the initial
benefits: a full tax deduction and a 100% match from your employer (on a certain percentage
of your contribution).

Let’s not forget that these contributions go on to earn capital gains, dividends and interest on a
tax-free basis for years until you make a withdrawal.
26
Yet the Employee Benefit Research Institute tells us that only about 10% of the people that it
has surveyed are maximizing their contribution!

Why throw away money? Contribute as much as you can to your 401(k).

#24 Get Rich on America’s Tax-Free Monopoly

This simple investment is set to throw off the equivalent of nearly 8% EVERY year for the
next 20 years.

And no wonder, because there’s a unique advantage behind it: a completely legal “monopoly”
no regular business could ever develop.

The best part is you can cash out anytime you like in a matter of minutes.

We’re talking about municipal bonds...

Billions of municipal bonds are sold annually. The major benefit of these bonds is they throw
off tax-exempt interest every year. The interest from these bonds is tax-free at the federal level.

In addition, if you reside in the same state or municipality as the issuer, the bond is tax-free
at the state and local level.

This is a way that you can benefit from the government’s power monopoly: Buy its debt.

In general, there are two kinds of bonds that you should look to buy: utility revenue (not
natural gas) and general obligation bonds.

Both of these put the power of the government into your investments. A utility revenue bond
is secured by the revenues of the utility – say, waterworks or sewers.

In most cities, because of the U.S. Department of Natural Resources, you MUST hook into
a sewer system. Most cities also make hooking into their waterworks systems a requirement
for living within their limits.

In other words, these utilities ARE monopolies. If anybody but the government owned
them, they would likely be deemed illegal. When they need to make improvements to these
facilities, they borrow money by issuing a municipal bond, or muni.

Recently, some of the bonds we’ve seen have rates of 4%.

This doesn’t sound like much until you realize that you pay no tax on this income.

You’d have to get nearly 8% in a taxable return to match this if you’re in the highest tax bracket.
In other words, this simple investment throws off the equivalent of nearly 8% EVERY year
for the next 20 years.
27
If interest rates rise, so will the return you can get on municipal bonds... increasing your
taxable equivalent return even more.

And what if you’re uncomfortable buying individual muni bonds? Then look to one of the
many mutual funds offering municipal bond funds. Vanguard, Fidelity and T. Rowe Price
all have top-ranked funds.

#25 How to Eliminate Probate Fees and Estate Taxes With One
Easy Strategy
This strategy will require some legal help. It’s all about getting your financial house in order.
This means wills, trusts, partnerships, etc.

But the value of doing it is unquestionable. Depending on what state you live in, probate
fees and costs can take anywhere from 3% to 8% of your assets. Estate taxes can be as
high as 40%.

When it comes to avoiding probate fees and estate taxes, it’s best to leave it to the experts.
That’s exactly what we recommend here.

That’s why we suggest contacting Jack Cohen...

Jack has spent his entire career involved with federal taxes. After spending 33 years working
for the Internal Revenue Service, Jack now helps individuals and small businesses minimize
their taxes.

Contact Pillar One Advisor Campbell Jones Cohen CPAs and let that group handle these issues.

The experts there can eliminate probate fees and estate taxes at death without the need to
buy life insurance or annuities, as well as protect assets from divorce and litigation without
the use of a family limited partnership.

The main reason for contacting Jack is the enormous success he’s had reducing clients taxes
with tax-saving strategies that can be used year after year. Campbell Jones Cohen prides itself
on personalized and straightforward tax service and solutions.

Jack Cohen, CPA

Campbell Jones Cohen CPAs
7848 W. Sahara Ave.
Las Vegas, NV 89117
Phone: 702.369.2504
Fax: 702.940.3345
Web: www.yournevadacpa.com
Email: jack@yournevadacpa.com
28
 TRAVEL AND LIFESTYLE EDGES AND ADVANTAGES
#26 How to Take Luxurious All-Expenses-Paid World Cruises for FREE
This could be a perfect fit for anyone who is comfortable talking in front of groups.

The strategy here is to become an expert speaker on a subject that is going to be interesting
to a diverse group of people traveling on a cruise ship.

If this sounds crazy... think again. On one of our Oxford Club cruises, we met a man who
was doing this and having the time of his life.

Here’s the story that was relayed back to our Clubhouse in Baltimore.

Daniel had a long history of thinking outside the box. As he thought about his upcoming
cruise, the question kept occurring to him: How can I get a free upgraded cabin?

That’s when the idea hit him.

Do a talk or presentation in exchange for a better cabin. At that point Daniel called the
Royal Caribbean cruise line’s enrichment director in Miami.

He discovered that, if he gave a useful training lecture twice a week, he could receive
his cabin free on any cruise, anywhere in the world.

Daniel had experience as a public speaker, so it was a natural fit for him. His first
presentation, titled “EBay Gold,” was a big hit, and so his free cruising days began.

The last we heard... Daniel was on his seventh free cruise with his wife.

#27 How to Score Four to Seven FREE Cross-Country Flights Every Year
One of our friends flew up to New York, free of charge, for his godson’s baptism. The next
month, he headed to Costa Rica with his girlfriend.

Another gentleman in our circle will be visiting his two grandchildren in Colorado Springs
next month. Thanks to this trick, he won’t pay one penny for his flight. If you haven’t
guessed already, we are referring to free mileage programs offered through various airlines in
cooperation with a credit card company.

If you’re not getting free points on your credit card to be used for free flights, free hotel
rooms, free merchandise, etc., you should be!

There are tons of credit card companies offering mileage “credits,” “points” or simply free miles.
29
Recently, Delta had terrific offers on the table.

It offered 10,000 free bonus miles (or “points”) through its Gold Delta SkyMiles
credit card.

All you have to do is spend $500 in the first three months, and you get 10,000 miles.
And you received one point for every dollar from any balances transferred over from
another card.

That’s where the “free” cross-country flights come into play. These points can be redeemed
for free flights to anywhere that Delta or its partners fly.

Fifty thousand points can get you to some far-away destinations... and lots of them. Your free
miles should give you the opportunity to take four to seven flights on the house.

For instance...

New York to Florida... Chicago to Los Angeles... or Boston to Denver for as low as 9,000
points in some cases – and even 4,900 for that first example. Plus, when you “renew” this
deal, you’ll receive anywhere from 6,000 to 10,000 more free miles.

Not sure how to find the best deals out there?

One site we like is www.thepointsguy.com. This site has a listing of dozens of top deals from
multiple card companies and travel organizations.

Select which programs work best for you, and let the free flying begin.

#28 Send Your Kids to Ivy League Schools for Pennies on the Dollar
Through the Massachusetts Institute of Technology (MIT) and Harvard, among others,
you can access free online courses.

According to Professor Dick Yue at MIT’s School of Engineering, “The idea is simple: to
publish all of our course materials online and make them widely available to everyone.”

MIT’s OpenCourseWare makes the materials used in the teaching of almost all of its
subjects available on the web, free of charge.

And with more than 2,200 courses available, there’s plenty to choose from:
http://ocw.mit.edu/index.htm.

Harvard is doing something similar through its Extension School, but it’s not free. The
school also offers free and paid courses through its Open Learning program. Whether you
want to take a course, earn a certificate or work toward a degree, Harvard offers more than
600 online courses in nearly 60 fields.
30
Don’t want to go to an Ivy League institution? Try this...

The average yearly cost at private colleges is now at around $40,000. Public colleges charge a
lot less, especially for state residents: about $18,000, according to the nonprofit College Board
(includes room and board).

But what about community colleges? The average cost for a full year of tuition and fees at a
community college is only $4,000. So here’s the secret way to get college at 50% off: Start
at your local community college and transfer into the bigger college after two years.

In other words, hold off attending the university for two years while taking courses that
transfer from your local community college instead. Save a ton of money but graduate in the
same amount of time with a degree from the larger, more prestigious university or college.

And here’s another option...

You may have heard about Khan Academy on a 60 Minutes segment or from a similar
program touting its incredible program.

Khan Academy is a nonprofit organization with the goal of transforming education forever.
It provides a world-class education for anyone, anywhere in the world.

The subjects include everything you’d find in a college curriculum. It even has test prep
courses for the SAT, MCAT and more. You can track all the courses you’ve taken, test your
knowledge and set goals for yourself. Visit www.khanacademy.com.

Another great option is Coursera. Coursera allows you to take some of the world’s best
courses for free. It works globally with top universities and organizations to offer online
courses that anyone can take, absolutely free.

You can choose from more than 400 courses, learn on your own schedule and test your
knowledge with “Mastery Learning” assignments.

Visit www.coursera.org.

#29 The Easiest Way to Virtually Guarantee a Hotel Room Upgrade

This might seem simple, but it’s surprising how many times my co-workers and I have
successfully used it.

When checking in at the hotel, discreetly hand the desk agent a $20 bill and say, “This is for
you” with a smile. They will then most likely give you an upgrade, a bigger room, a better
view, a higher floor... or something.

Bottom line when traveling – you will always catch more flies with honey than vinegar.
31
Travel industry workers deal with miserable whiners practically every hour. Make yourself a
welcome relief and they’ll likely reciprocate.

It’s seldom that desk agents will take your money and not do something for you. If they’re
not willing to play the game, they will usually immediately decline the gift.

The other secret here: Don’t check in and ask for an upgrade early in the day. They need to
save the best rooms for possible VIPs.

You are much better off trying this later on in the day when they have a better idea of which
rooms will be available overnight.

#30 Attend Even the Hottest Sold-Out Concerts and Sporting Events
for Half Price or Less
On more than one occasion, StubHub has come to the rescue when a ticket was really needed.

StubHub bills itself as “the world’s largest fan-to-fan ticket marketplace.”

Its mission statement is simple: provide fans a safe, convenient place to get tickets to the
games, concerts and theater shows they want to see, and an easy way to sell their tickets when
they can’t go.

You can access StubHub through an app available on your cellphone. StubHub is an ongoing
auction for people who have tickets and are trying to sell them for as much as they can.

For extremely popular events, tickets may sell for more than face value. But usually the sellers
are simply people who thought they could go to the event... and now can’t.

As a result, many tickets are sold for less than face value.

However, the real deals appear as showtime or game time approaches. That’s when you can
get downloadable e-tickets that can be sold right up until the start of an event.

Generally, there will be a last-minute panic-dump by a seller who is simply trying to avoid
“eating” the ticket.

It’s surprising how many people will wait until the very last minute to unload their tickets.
They’re waiting for the desperate buyer. But when the bids suddenly stop... they become the
desperate seller.

The catch to getting the best deals is that you may have to go to the venue itself and keep
checking your app for that desperate seller.

And if you’re willing to wait until after the start time of an event, that deal can get even better.
32
You have to be prepared to go to the event location with the possibility of not getting in. But if
you do have a motivated seller, you are right there to download the ticket and walk right in.

If you have that Plan B mindset, you will be in control.

And you’ll be able to attend some great events for pennies on the dollar.

Visit www.stubhub.com.

#31 Rake In $100s a Month Just for Driving Your Car

This may not be for everyone...

But there’s no question about it. This is some of the easiest money imaginable.

All you need to do is allow your car to be used as an advertising medium... a mobile billboard
of sorts.

An advertiser will put what is called an “advertising wrapper” on your car. It is essentially
a large advertising slogan placed on the sides, hood, back, etc., of your car to be viewed by
others as you drive around town.

For people looking for a way to make money without putting in extra effort or time, this is
perfect. Many companies are cutting back on spending for television campaigns and other
expensive advertising formats and have found that “on car” advertising is more affordable
and effective.

And it’s a good deal for the driver also...

Drivers are paid an average of between $170 and $450 per month, depending on how large
the wrap is and where it’s located on the car. Campaigns usually run for a few months.

You simply download the app and drive your normal commute to start receiving offers
from advertisers. Once you get offers, you can sign up for a campaign. It’s that easy.

The program is designed for your normal daily driving routine. You are not required to
do any additional driving. Payments vary depending on the campaign and the size of the
advertisement on your car.

Caution: Be prepared to have your entire car used as an advertisement. Technology today
allows these car advertisers to put a “wrapper” over your car that can cover nearly every inch
of it (it doesn’t damage the car).

For more information, go to https://wrapify.com.

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#32 Make 14% a Year Collecting Bottles
This strategy generated an average of 14.1% over 10 years...

Mind you, these aren’t recyclable bottles we’re talking about. These are filled with wine!

This is an astounding fact: Fine wine appreciated by 45% in 2018 alone. And it wasn’t
a fluke.

Over the past five years, the Liv-ex Fine Wine 100 Index has shot up by 31.1%.

But if you’re like many wine investors, you don’t know what makes a wine from the Rhone
Valley different from a bottle from Burgundy. And that’s OK. There are plenty of wine funds
that do.

Once again, your financial advisor won’t tell you about them (or won’t know about them),
but these funds are open to the average investor.

Here’s two funds to look into: Bacchus Capital Management and the Wine Investment Fund.
Both have websites you can access.

(THE “HIDDEN FILES”) FREEBIES, GIVEAWAYS

AND LOOPHOLES
#33 How the Government Will Pay You $5,000 to Sit In on an
Eight-Hour Course
This money-grabbing strategy simply involves letting your state or the federal government
help you purchase a house.

There are a slew of homebuying incentives offered by our federal and state governments to
help various homebuyers. You just have to find out what you might be eligible for.

For example, Maryland offers a 0.25% discount on the standard Maryland Mortgage
Program mortgage rate and $5,000 in down-payment assistance to qualified buyers
with $25,000 or more in student debt who are purchasing a home in one of Maryland’s
Sustainable Communities.

In addition to grants and loans from the U.S. Department of Housing and Urban
Development (HUD), most states offer their own programs. You’ll have to check to see
what your state offers in addition to what might be available from Washington. Here are
some examples...
34
HUD’s Good Neighbor Next Door initiative offers a 50% discount on the list price of
eligible properties for law enforcement officers, firefighters, emergency medical technicians
and teachers purchasing homes.

HUD’s Dollar Homes initiative provides low- to moderate-income families an opportunity

to purchase qualified HUD-owned homes for $1 each.

In Georgia, members of the military and employees of police departments, correctional

facilities, fire departments, EMS services and other professions are eligible for $7,500 in
down payment assistance at no interest (the loan is repaid at sale or refinance). Individuals
living with a disability are eligible to receive $7,500 in down payment assistance.

New York’s HomeFirst Down Payment Assistance Program offers up to $40,000 toward a
down payment or closing costs on a one-to-four family home, condo or cooperative in any
of the city’s five boroughs. You must take an approved homebuyer education course, meet
income requirements and plan to live in the home for at least 10 years.

Maine has a similar program, offering up to $3,500 toward a down payment and closing costs.

California offers a deferred loan to eligible schoolteachers and other qualifying staff
members for down payment assistance. The loans cover up to 4% of the home’s purchase
price. Californians can also take advantage of a Mortgage Credit Certificate tax credit to help
reduce potential federal income tax liability and open up additional net spendable income
to use toward monthly mortgage payments.

Ohio’s down payment assistance program offers 2.5% to 5% of the home’s purchase price,
and is issued as a second mortgage with 0% interest and no monthly payments due. It is
forgivable after five years.

In Illinois, households earning at or below 50% of the area median income are eligible for up
to $12,500 in grant money to purchase a home. Households earning between 51% and 80%
are eligible for only slightly less.

The grants are also provided as forgivable after five years. There is also rehabilitation
assistance, which is forgivable after five years, for up to $20,000 toward home modification
repairs and improvements.

In Maryland, the Maryland Mortgage Program matches up to $2,500 of what partnering

organizations contribute (anywhere from $1,000 to $5,000). And some partners offer a cash
grant, meaning you don’t have to pay it back at all.

And the list goes on...

If you’re planning on buying your first home, make sure you’re not leaving money on the
table by not taking advantage of these programs.
35
#34 Little-Known Tactics for Collecting Unclaimed Cash From Sources
You Never Imagined
I used to think these “unclaimed money” deals were a joke. That is, until my buddy found
$600 owed to his dad, and he told me how it works...

Unclaimed funds are monies that have been turned over to their respective state’s treasury
department after they have been considered abandoned by their respective owners.

A state receives unclaimed funds only after the company holding them can consider
them “abandoned.”

Money is usually considered abandoned three to five years after the company has lost contact
with the owner, and three months after it makes a final effort to reach the owner at their last
known address. If the company does not have a last known address for the owner, then the
assets go to the state in which it was incorporated.

Once the state receives these assets, it becomes their responsibility to return them to their
rightful owner. The state’s unclaimed property office will try to find who that is. If the agency
is not successful, it will hold the funds in perpetuity until the owner or next of kin comes to
claim them.

But not all these databanks can be accessed from one place. Contact your state’s treasury
department or unclaimed property office to get the best and easiest ways to find out if your
state (or contact a previous state you lived in) is holding cash that’s yours for the asking.

One beneficiary received a $1,400 check in the mail from annuities his deceased parents had
purchased when he was younger but never told him about.

Another person found unclaimed cash under her maiden name and at a address she lived at
more than 20 years prior.

You can even look up friends and family...

And maybe wind up giving them a really cool “gift” that won’t cost you a dime.

And these unclaimed funds can be anywhere from a few bucks to thousands of dollars.
There are some general sites that can be helpful, such as www.missingmoney.com. So take a
little of your time and see if anything pops up; it’s really worth a quick search.

#35 The Secret Website Offering Free Cameras, Free Jewelry, Even
Free Computers
Digital cameras, smartphones, books, clothing, watches and more... all for free.
36
It sounds hard to believe, but with sites like Listia (www.listia.com), you can find great items
for free, as long as you’re willing to give away some things you don’t want anymore.

The site works like an auction house, but with credits instead of real cash.

Once you’ve signed up, you receive your first 1,000 credits. You earn more credits by listing
auction items for others to bid on. And then you receive credits when others buy your items.
You can use those credits to acquire items on the site.

Another way to earn credits is by inviting your friends to sign up using your special referral link.

And there are some great items on the site...

When I browsed the available items, I found a few things I’d been thinking of purchasing
with cash. But now I know I can get rid of some of my unused items and possibly get them
for free... as long as no one outbids me.

If you’ve got plenty of unwanted stuff at home that you’d like to get rid of, this site makes a
lot of sense. It’s easy to use and requires no money.

So you don’t have to worry about disclosing your bank information.

#36 The Single Photo That Could Put $1,000s Extra in Your Pocket
A picture is worth a thousand words...

That’s a nice saying, but how about this one: Several pictures could be worth thousands
of dollars.

We’re talking about taking pictures of the rooms – and their contents – in your house for
insurance purposes...

Paying particularly close attention to antiques, valuable art, furniture and other pricy items.

Once you’ve taken these pictures... put them in your safe deposit box.

Use your digital camera to do panorama shots of each room in your house.

Put them on a zip file and put it in a safe place.

If your house ever gets destroyed, it will make verification with your insurance company a
much easier process.

You’d be surprised at how hard it is to remember what you had in each and every room of your
house once it’s gone. Particularly as you get older and have a lifetime’s worth collection of items.
37
Don’t put yourself in a guessing contest; the only winner in that is the insurance company.

This simple move can save you tens of thousands of dollars (depending on the value of the
contents of your home) if your insurance company disputes your claim.

#37 Claim Your Free Subscription to a Top Financial Newspaper

We can’t guarantee how long this one will last. But here’s how it works as of this writing.

This trick is helpful when you are searching for specific topics on the internet. It’s a solution
to a problem that stops most people in their tracks.

It’s when you’re directed to an article from a publication that requires you to be a subscriber
to access it.

Subscribe or no see, right? Not necessarily.

What you’ve run up against is called a paywall. These are irritating, especially if you want to
read just one article.

But there’s a simple technique for bypassing the paywall... Copy and paste the headline into
the address bar of your web browser.

And voila! The entire article appears.

This technique works with publications like The New York Times, The New Yorker, Harvard
Business Review and The Wall Street Journal.

(Editor’s Note: We are not advocating the abuse of subscription publications. If it is just
an article here and there then we think it is understandable. Multiple subscriptions can be
expensive. However, if you consistently find the content valuable, you should pay for it.)

#38 How to Save 18% to 19% on Electronics and Luxury Items

Here’s how you can buy items at the price you want... not what the retailer quotes.

Wouldn’t it be nice to live in a world where you could simply name a price for the product
you want to buy?

Well, guess what... now you do. Say hello to Greentoe (www.greentoe.com).

Greentoe is a revolution in online shopping. And it’s remarkably easy.

All you do is name your price for the product you want to buy – then Greentoe will
automatically check with its vast network of certified retailers to see who is willing to meet
that price.
38
The first retailer to agree to your price gets the sale. It’s that easy!

#39 How to Fly First Class for Free

The easiest way to accomplish this is to use an airline credit card...

That is, any credit card with an airline’s name on it that provides airline travel miles.

The primary feature is the ability to accumulate airline miles when you make purchases.
But instead of using the airline miles toward a discounted or free flight, you can exchange
“points” to upgrade to first class.

Another option is to simply join an airline’s frequent flyer club and start earning miles.
When airlines are oversold, they will look to upgrade their most loyal passengers first.

Also, it never hurts to just ask if you can get a complimentary upgrade to first class if a seat is
available. They may do it as a good will gesture to a valued frequent flyer customer.

You’ll need to do some research, as the small print differs wildly among various airlines
and alliances as to when and how you can exchange points for a luxury ride, but the points
exchange upgrade will be available.

Another possibility... break your leg. According to a Skyscanner survey, a passenger with a
broken limb was more likely to get the premium experience for free. Oh, the pain!

#40 Participate on Swagbucks

If you’ve got a computer, Swagbucks (www.swagbucks.com) can earn you some cash or gift
cards. The company’s tagline is “Put cash back in your wallet” for the everyday things you
do online.

Swagbucks is a great way to earn free gift cards by doing a bit of work online. Fill out surveys,
watch videos, use specific websites and shop at certain retailers to rack up Swagbucks points.

Then redeem points for gift cards at more than 1,500 retailers, including Amazon, Walmart,
Target and Starbucks, or get cash back from PayPal. And we’re not talking pennies...

Swagbucks brags that it has given away more than $400 million since its 2008 debut.
There’s no cost for joining. Just go to Swagbucks’ website and download the app.

#41 How to Pay Off Your Mortgage 20 Years Early

If you’re looking to buy a home, your mortgage costs could be the difference between living
on easy street and struggling to stay afloat.
39
Everyone pays attention to mortgage rates and generally looks for the lowest they can find.
That’s an excellent idea and will potentially save you thousands of dollars over the course of
the mortgage.

But one overlooked cost saver is mortgage points.

Most mortgage lenders will provide loan rates and points, with one point equal to 1% of the
loan amount.

The most significant points are “discount points.” Discount points are fees paid directly to
the lender at closing in exchange for a reduced interest rate on the mortgage. This is called
“buying down the rate,” which lowers your monthly mortgage payments.

Discount points are a way for you to get a below-market interest rate on your loan. The
more points you “buy,” the more you’ll save on interest over the life of the mortgage. Using
discount points is a great way to help you start paying off the principal quicker and to
shorten the payoff time.

An additional strategy to really shorten your payoff time is to pay your mortgage more often
and add a little extra to the payments. These don’t have to be drastic changes... just making a
few additional payments and adding a few extra dollars can significantly reduce the length of
your mortgage.

Here are some examples of the difference it can make.

Let’s assume you have a $220,000, 30-year mortgage with a 4% interest rate...

• Make an extra house payment each quarter in order to save $65,000 in interest and
pay off your loan 11 years early.
• Divide your payment by 12 and add that amount to each monthly payment, or pay
half of your payment every two weeks, also known as biweekly payments. You’ll make
one extra payment each year, saving you $24,000 and shaving four years off your
mortgage.

Combine all these strategies... and you could have full ownership in just 10 years!

40
 ABOUT OUR EXPERTS
Julia Guth, CEO & Executive Publisher
Julia C. Guth has been the CEO & Executive Publisher of The Oxford
Club since its inception in Baltimore more than 30 years ago. She’s grown
the organization to more than 50,000 lifetime Members from all over the
world. She’s also the Founder of one of the first online financial education
e-letters in the country – Investment U.
Julia credits the Club’s success to its long-term, global, optimistic perspective,
as well as the talented advisory and service teams she’s put together on behalf of its Members.
Julia graduated from the University of Colorado, Boulder, with a B.A. in Latin American
studies, and she holds an MBA from Thunderbird, The American Graduate School of
International Management, in Phoenix, Arizona. She’s involved with two global charities, as a
Co-Founder and the Chair of the Board of The Roberto Clemente Health Clinic in Nicaragua
and as a Board Member for Relief International.

John Atwood, Executive Editorial Director

John works with The Oxford Club strategists, editorial staff and research
team to develop and deliver to Members the most accurate and actionable
investing information possible. He brings three-plus decades of senior-
level magazine experience to the table, having launched and led numerous
top-flight national publications, including Men’s Journal, Runner’s World,
and Travel + Leisure Golf. A longtime member of the American Society of
Magazine Editors, John has been recognized for his work with a Henry Luce
citation and multiple National Magazine Awards.
John graduated from Tufts University with a degree in English and was first trained as a
copy editor at Psychology Today magazine. A champion of coherent thinking and persuasive
argument, he has written opinion pieces for various outlets, including The New York Times op-
ed page. Outside of the office, his primary interest is raising his twin sons to be happy, kind
and accomplished young men... and maybe, eventually, Oxford Club Members themselves.

Alexander Green, Chief Investment Strategist

Alexander Green is Chief Investment Strategist of The Oxford Club. For
16 years, Alex worked as an investment advisor, research analyst and portfolio
manager on Wall Street. After developing his extensive knowledge and
achieving financial independence, he retired at the age of 43.
Since then, he has been living “the second half of his life.” He is the Senior
Editor of The Oxford Communiqué, which was ranked as one of the top
investment newsletters by Hulbert Financial Digest for more than a decade.
41
He also operates three fast-paced trading services: The Momentum Alert, The Insider Alert and
Oxford Microcap Trader. And he writes for Liberty Through Wealth, the Club’s free daily e-letter
focused on financial freedom.
Alex is also the author of four New York Times bestselling books: The Gone Fishin’ Portfolio:
Get Wise, Get Wealthy... and Get on With Your Life; The Secret of Shelter Island: Money and What
Matters; Beyond Wealth: The Road Map to a Rich Life; and An Embarrassment of Riches: Tapping
Into the World’s Greatest Legacy of Wealth.

Marc Lichtenfeld, Chief Income Strategist

Marc Lichtenfeld is the Chief Income Strategist at The Oxford Club. He’s the
Senior Editor of free e-letter Wealthy Retirement and monthly newsletter
The Oxford Income Letter. He is also the Editor of VIP Trading Services
Lightning Trend Trader, Predictive Profits, Technical Pattern Profits and Oxford
Bond Advantage. His content reaches more than 200,000 people each day.
Prior to joining The Oxford Club, Marc was a sell-side analyst for the
contrarian Avalon Research Group and a senior columnist for Jim Cramer’s TheStreet.
As one of the world’s leading income experts, Marc is often featured on national media outlets,
including The Wall Street Journal, MarketWatch, CNBC, Fox Business, Bloomberg Radio and
National Public Radio. A featured speaker at conferences, he has spoken about investing and
financial literacy at meetings all over the world.
He’s the bestselling author of Get Rich with Dividends: A Proven System for Earning Double-
Digit Returns and You Don’t Have to Drive an Uber in Retirement: How to Maintain Your
Lifestyle without Getting a Job or Cutting Corners. Both titles have been named Book of the Year
by the Institute for Financial Literacy.
Marc is also the only published financial analyst to have ring announced world championship
boxing and mixed martial arts on HBO, Showtime and ESPN.

Matthew Carr, Chief Trends Strategist

Matthew Carr is the Chief Trends Strategist of The Oxford Club. He is
the Editor of Strategic Trends Investor, The VIPER Alert, Dynamic Fortunes,
Trailblazer Pro and Profit Trends. His unique take on investing has led to
countless outsized gains, including the largest returns in Club history.
With almost two decades of financial experience under his belt, Matthew’s
expertise ranges from classic industries such as oil and gas to cutting-edge
markets like small caps, emerging tech, cloud computing and 5G. If it’s
moving the markets, you can bet Matthew is there.

42
David Fessler, Engineering Strategist
David Fessler is the Engineering Strategist of The Oxford Club. He is
the Editor of Extreme Disruptions Trader and Contributing Editor to
Strategic Trends Investor and Profit Trends. He is also the bestselling author
of The Energy Disruption Triangle: Three Sectors That Will Change How We
Generate, Use, and Store Energy.
As a degreed electrical engineer, Dave was vice president of two successful
tech businesses – LTX Corporation and Quality Telecommunications Inc. Since “retiring”
at age 47, Dave has used his educational and professional experience to research the best
opportunities in the technology, infrastructure and energy sectors.
A true energy innovator, Dave has installed his own microgrid to power his 68-acre farm in
Pennsylvania and can be seen on the road in an all-electric vehicle. His in-depth research
and expert presentations on renewable energy have incited strong praise from fellow
industry leaders.

Nicholas Vardy, Quantitative Strategist

Based in London, Nicholas Vardy is a widely recognized expert on
quantitative trading systems, exchange-traded funds and global investing. An
accomplished investment guru since 2005, Nicholas has several successful
newsletters to his name. He has been a regular commentator on CNN
International and Fox Business Network. He has also been cited in The Wall
Street Journal, The Financial Times, Fox Business News, MarketWatch, Yahoo
Finance, TheStreet and MSN Money Central.
Nicholas holds a B.A. and M.A. degree from Stanford University and a J.D. from Harvard Law
School. He is a fellow at London’s Royal Society for the Encouragement of Arts, Manufactures
and Commerce and Chatham House, the Royal Institute of International Affairs. Nicholas
launched his quant-based trading service, Oxford Swing Trader, in 2020. He also teams up with
Alexander Green, writing for Liberty Through Wealth and The Oxford Communiqué.

43
 If you have any questions about your Oxford Club membership, subscription status, please contact us at
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