Editor’s Note: Today’s Daily features a personal message from PBRG’s editorial director, Tim Mittelstaedt. Tim shares his path to simplified, “enlightened” investment peace of mind in these chaotic times.

Tim Mittelstaedt

From Tim Mittelstaedt, editorial director, Palm Beach Research Group: Tomorrow, Fed Chair Janet Yellen is set to raise interest rates for the first time in almost a decade. (The last time rates were raised was in June 2006.)

Tom believes this rate hike is the first link in a chain of events that could be catastrophic for millions of stock portfolios.

I’ve known Tom for a long time. When he feels conviction about something in the markets—or about a speculation or an investment—he’s usually right.

Take the 2008 financial crisis. At the time, Tom wrote Stansberry Research’s 12% Letter. He was able to get his readers into blue-chip companies—like tobacco titan Altria and fast-food giant McDonald’s—near the bottom.

In fact, these two positions still sit in the top 10 of the highest returning open positions across all Stansberry Research investment advisories. Those recommendations are up 324% and 236% to date.

He also knew about bitcoin—and its potential as a speculation—before it was on most people’s radars.

Recommended Link

Is Your Name On This List?

These are just a few of the people who have taken advantage of Tom Dyson’s special offering to prepare for the next market downturn… and set themselves up for potential gains of 95%, 97%, and 221% in early 2016.

If you haven’t claimed your bonus packet of Tom’s special research yet (worth an estimated $9,970), simply click on the link below.

Click Here to Prepare Ahead of the Next Downturn

Bitcoin surged from around $4 to over $1,200 at its peak. Tom turned a $25,000 investment into $400,000. Too bad he got out a little early. Had he held on and cashed out near the top, he’d have netted $3 million in gains.

In 2010, Tom called a bottom in the U.S. dollar. In his personal account, he placed trades that’d profit if the U.S. dollar rose. The dollar’s been going up against every other currency ever since…

I don’t know how he does it. But one thing’s clear… Tom’s got a knack for understanding the markets and positioning himself—and his readers—to profit.

Right now, Tom believes the imminent rise of short-term rates on December 16 is just one of three “flashpoints” poised to cripple the markets… and usher in a new economic downturn.

Last week, Tom hosted a live emergency market briefing to expand on his thoughts about what the interest rate hike means for the markets… and to present his personal crisis blueprint.

Tom’s market briefing was a huge hit. It had the highest attendance in PBRG history. We received a lot of great feedback about Tom’s personal plan.

  Tom’s “crisis blueprint”


I don’t think many understand just how powerful the safety and wealth-building concepts Tom and I discussed during the webinar are.

And if you don’t understand these concepts, you’re going to miss out on tens—maybe hundreds—of thousands of dollars in gains over your lifetime.

The first step in Tom’s personal crisis blueprint is storing money in Income for Life.

You may know it as the 770 or 702(j) account. Those are a couple of nicknames for it. But around the office, we call it “Income for Life.”

Income for Life is a type of dividend-paying whole life insurance. It’s set up in a specific way to slash fees and commissions by up to 70%.

It grows tax-free at rates up to 5% a year (over time).

Mutual insurance companies administer these policies. They’ve managed to pay policyholders dividends for over 100 consecutive years without interruption. That’s through all kinds of wars, the Great Depression, recessions, rate hikes, and other economic crises.

I first learned about Income for Life in 2009… after I saw my retirement savings crash almost 50% during the financial crisis.

I wanted to make sure I’d never have to go through that kind of panic again.

Income for Life had all the safety features I was looking for.

The mutual insurance companies:

  1. Guarantee the cash balance in your account won’t go down. (Once the gains hit your account every year, they’re locked in and can’t be taken away.)
  2. Guarantee your account will go up in value. (These are contractual growth rates—not pie-in-the-sky projections…)
  3. Have century-long track records of paying dividends.

(All Palm Beach Letter subscribers have access to our special report on Income for Life. In it, we explain how IFL works and how to set up a policy.)

But having your money grow 5%, tax-free, over time is just a fraction of what Income for Life offers…

  The most versatile investment vehicle on the planet


Tom and I have spent the last four years uncovering all the hidden benefits, uses, and strategies Income for Life offers.

And in the process, we’ve built a premium program to teach people how to leverage their policies and use Income for Life to build wealth.

There’s one feature Income for Life provides that makes it one of the most versatile vehicles on the planet… and helps you supercharge your wealth-growing potential.

This feature offers tons of benefits that give you liquidity, control, and flexibility. It allows you to:

  • Use your policy like a banking or credit facility to finance big-ticket items
  • Use it as a college-savings vehicle for your kids
  • Protect your family if tragedy strikes
  • Have a safe place to store cash for emergencies
  • Tap it as a source of retirement income later in life
  • Pass more money on to your heirs (instead of to Uncle Sam)
  • Shelter money from creditors or lawsuits (in most states).

It’s the policy loan feature… and it’s Income for Life’s “secret weapon.”

You can use your Income for Life policy to borrow money. It’s like your own private bank. The insurance company will give you a loan up to the amount you have in cash value. They’ll do it any time, no questions asked.

The insurance company has to give you a loan. It’s a contractual guarantee that comes with your policy. It can never be taken away.

Borrowing against the cash in your policy allows you to do something else. It’s the thing Tom and I are most excited about…

It’s using Income for Life as a platform for investing. We call it “dual compounding.”

  Using the “double dip” to build wealth


What is dual compounding, and how does it work?

There are four simple steps:

  • Step 1: Put your money into an Income for Life policy. It starts earning interest and paying you dividends.
  • Step 2: Borrow against the value of your account. (The insurance company will give you a loan for the amount you have in your account.)
  • Step 3: Invest the loan money into cash-flowing investments. (I’ll get to this in a minute.)
  • Step 4: Use investment profits to pay off your loan interest.

When you use this strategy, the money in your policy continues to grow (tax-free) 4-5% a year.

Then you use insurance company’s money (via a loan) to acquire another cash-flowing asset you own and control (like rental real estate or dividend stocks, for example).

Take a look at the graphic below. It shows how you can use the policy loan feature to create a second stream of income:


With dual compounding, you put your money into one asset (Income for Life). Then, by using this policy loan “loophole,” you use the insurance company’s money to buy other assets that YOU own and control.

When you really think about it, you only pay out of your pocket once but you have money doing “double duty”: compounding at high rates of return in two places.

  By the numbers…

I planned to invest $10,000 a year in what PBRG calls “Legacy” stocks. (These are the stocks we recommend in our Legacy Portfolio service—big, safe blue chips that dominate their industries and pay rising dividends.)

At 65, my projected Legacy stock portfolio would be worth just over $2.3 million (assuming 30 years of compounding and reinvesting the dividends).

But if I run that $10,000 through my Income for Life policy first—and “double dip”—my results are going to be a lot better.

In “dual compounding” mode, I’m now on track to have an additional $400,000 in wealth by the time I’m 65.

All I had to do was make a small tweak to the way I invest… and I’ve guaranteed myself another $400,000.

  And outside the stock market…

But it’s not just Legacy stocks Tom and I use to dual-compound our money. Cash-flowing rental real estate is another great vehicle to use with Income for Life.


Over the last three years, I’ve used dual compounding to acquire interests in five different rental properties.

Real estate is one of the best ways to build wealth. I’ve earned 15-18% “cash-on-cash” returns in my real estate investments. And my real estate holdings aren’t hinged to the stock market.

[Cash-on-cash returns = annual dollar income / total dollar investment.]

Think about it: During the 1,000-point flash crash the stock market experienced this past August, my rental property didn’t go down in value. And my tenant still paid me rent.

That’s exactly why Tom made real estate—and Legacy stocks—part of his crisis blueprint.

Now I know buying rental properties terrifies a lot of people. Many of you won’t want to do it.

That’s why I begged Tom and the crew to sweeten the deal for Income for Life Premium

Mark’s brother, Justin Ford, is a hyper-successful real estate investor. Since 2002, he’s purchased 32 properties in seven cities and four states. Through the boom and bust, he’s never been late on a single mortgage payment.

Justin’s real estate investment course, the C.A.P. Strategy, is great for those who want to learn the safest and best way to buy real estate. And I’ve convinced Tom and Justin to let me include this course for all Income for Life Premium subscribers.

But for those who don’t feel comfortable investing alone, we’ve added another perk to Income for Life Premium: full access to participate in Justin’s private real estate offerings.

Justin is always looking to buy undervalued rental real estate he can renovate to juice investors’ returns. He handles everything… and sends his investors their distributions every quarter.

Here’s the confirmation email I received for our latest distribution checks from Justin. It’s from a hotel he’s been working on in Vero Beach, Florida, that I’m part owner of.


That’s the sixth quarterly distribution our real estate group has received. It hits our account like clockwork every quarter.

With Justin’s private deals, you just sit back and collect checks… and do none of the work that comes with owning rental real estate on your own.

All Infinity and Income for Life Premium members are the first to know when Justin has another investment opportunity to participate in.

Justin’s also gearing up to launch a “hard money” lending platform for his investors. It’s another way to earn safe high income through the real estate markets. His structure will let investors earn 10-12% cash returns making strategic, safe loans.

  The ultimate solution for safety and income, no matter what the Fed does…


Tom and I are big believers in Income for Life. We’ve put the bulk of our personal net worths there.

And we’re giving all Income for Life Premium subscribers the same tools and resources we have access to… to build and growth their wealth.

With Income for Life Premium, I no longer have to worry what will happen to my money if the markets tank following tomorrow’s Fed rate announcement… or any subsequent market conniption that used to keep me up at night.

If you want a safe place to keep and grow your assets, you owe it to yourself to give Income for Life Premium a try.

You’ll have six months to evaluate all the research, reports, and webinars… to read the details of our dual compounding manifesto… and to hear about the investments Justin’s working on.

If you don’t think it’s worth it, you’ll get 100% of your money back.

You can gain instant access—including Tom’s three-step crisis-investing blueprint—right here.

Or, if you’re still on the fence, you can learn more about Tom’s crisis-investing strategy from Tom himself, right here.