Starting today...

Discover an "Extra" $450
Every Month You Didn't Know You Had — GUARANTEED!

Dear Friend,

Motley Fool Green Light Co-Advisor, Shannon Zimmerman

I'm Shannon Zimmerman, a mutual fund "Fool." This e-mail contains urgent information about a new personal financial planning service available from the Motley Fool.

Here's the story: For the last ten years or so, Dayana Yochim and I have been in the front-line trenches, researching and writing about investing and personal finance for the Motley Fool. Our research has turned up some incredible facts about the average American's financial situation.

You need to be aware of these, particularly this time of year.

When you look at all the year-end statements for your savings, investments, and loans as you prepare your taxes, do you wonder...

Let's take a look. The average American Joe/Jane:

• Has saved less than three months of expenses
• Contributes an average 7.9% of their paycheck to their 401(k)
• Has a balance of $25,000 in their 401(k)
• Has college savings of $10,000
• Expects to have $35,000 saved by their child's freshman year
• Has an average total available credit (on all cards) of $19,000 (More than half spend less than 30% of their limits)
• Carries revolving debt of $3,560 on their credit cards
• Pays an average interest rate of 17.9% on unpaid credit card balances
• Has total debts of $24,565 – excluding their mortgage if they own a home

Are you one of the folks having a tough time making ends meet, let alone saving and investing for your future needs?

Whether those needs are a comfortable retirement, college for the kids, or just having enough saved up to survive the next downsizing, most of us are falling way short.

When Dayana and I really dug in and investigated the state of the average American's finances, we were surprised to learn that half of the population is in an even worse situation than what the list above shows. We asked ourselves...

• Is it because people feel that saving is a "waste of time" due to the typically puny interest rates paid on savings accounts at banks?
• Is it "too hard" to figure out which mutual fund is right for a portfolio?
• Or (the big one)... do people simply not have any money to save?

If you are looking for answers to questions like these, you'll find the inside scoop in Motley Fool Green Light.

We know the easy, simple ways to save on expenses, the smart places to save that money, and how to get it to grow steadily into the wealth you need and deserve. It really isn't all that hard.

All month long, we comb our resources and put our heads together to come up with the best ideas and tips to make your money go farther and increase your wealth without taking on an extra job, lunching on instant noodles, or counting every penny.

We want to share our knowledge with you. In fact...

It may be hard to believe, but it is true — that's why we guarantee it.

Now, here's what this is all about.

Start Now!

I am inviting you to take a look at our new one-of-a-kind service called, Motley Fool Green Light ... 10 pages of concise, easy-to-implement ideas that will propel you along the road to wealth. And you can read them all in a half hour or less.

Open your laptop in your favorite coffee shop and learn money-making secrets while you enjoy a latte... or download the PDF issue and print it out. It's all there to read at your convenience. We write it short-but-sweet so you can get your money-making/money-saving advice with a nibble here and a nosh there.

Here's a sample of what you get:

• How to fix errors in your income tax return - even if you've already filed it.
• How to file your tax return for FREE
• Money answers made easy - we've tailored Motley Fool Green Light to make it easy to find the money answers you need; personal finance isn't really a one-size-fits-all topic, you know
• How to transform $5,000 into at least $7,300 - each month, Motley Fool Green Light offers a slew of suggestions that will make or save you money
• Win the balance transfer game - is it really a good deal when a bank offers you 0% interest to switch to a new credit card?
• A whip-smart online community - join in on our members-only discussion boards and ask your investing and personal finance questions

Go ahead and check it out. Take advantage of our risk-free offer for a full month. Read the newsletter. Browse through our archives. Jump into our forums and get answers to your specific money question or just lurk and learn from the rest of us Fools.

Do it now and I'll knock $30 off the regular price of $79.

OK, I'll give it a try

Many stock brokers want you to have several thousand dollars in your account before you start investing in the stock market. Of course they do. They charge you a healthy commission on those dollars.

Let me clue you in on the secret they're not sharing with you...

That's right. If all you have is a $20 bill to start with, you can still invest in companies such as Intel, Johnson & Johnson, or Harley Davidson. You can even put money into Microsoft stock using this secret.

Of course, if you have more money available to invest, you have more options. With Motley Fool Green Light, you'll discover more secrets of saving and investing every month. You'll learn:

• How you can earn an additional $2,784 on a popular index simply by knowing the difference between market-weight and equal-weight
• How to keep fees from eating away at your gains – a small 1% difference in investing fees can cost you $1,000 in returns!
• How to pay $4 or less per trade by simply investing a set amount each month
• How to turn your haphazard collection of "investments" into a portfolio that's tailor-made for your timeline and tolerance for risk

With secrets like these... and HUNDREDS MORE... it is easy for me to promise...

Motley Fool Green Light Co-Advisor, Dayana Yochim This is a quick note from Dayana - don't let Shannon kid you with his "I have been lucky" line. He's a top-notch investor and has an unparalleled track record for picking market-beating mutual funds. He has invested in them for more than 15 years, and before signing on with the Fool, he analyzed them for Morningstar, the leading mutual fund research house for individual investors. At Morningstar, Shannon wrote extensively about both bond and equity funds, and his work has appeared in widely read publications such as FundInvestor, Morningstar Mutual Funds, and the popular Morningstar Funds 500 and Guide to Mutual Funds books. He is a frequent commentator in the financial press, too, and his remarks have appeared in such publications as The Wall Street Journal, The New York Times, Business Week, and Barron's. (Shannon, are your ears burning yet?) Shannon was Morningstar's lead analyst on many of Fidelity's most popular stock funds, and he is also an expert on 529 college savings plans and socially responsible investing. As the chief analyst for the Motley Fool's Champion Funds newsletter service, Shannon separates the fund industry's relatively rare keepers from its all-too-plentiful duds. Along the way, he homes in on the best of the best, recommending only those funds that have what it takes to help investors beat the market over the long haul. Shannon is not "lucky." He is a darn good analyst.

I can make that promise because my partner, Dayana Yochim, is a genius when it comes to ferreting out ways to save money. She's so good that she is one of the favorite guests on too many talk shows to list here. Plus, she's the author of The Motley Fool's Guide to Couples & Cash and co-author of The Motley Fool Personal Finance Workbook.

Dayana comes from a long line of teachers. She learned a lot from her family about taking complicated concepts and explaining them clearly to anyone. Plus, I suspect her Midwestern roots (she grew up in Kansas) gave her the talent to spot a bargain at a hundred paces.

I'm proud to have her for a co-advisor to the Motley Fool Green Light service.

After Dayana finds all the cool ways to save and make money and explains the ins and outs of managing your finances, I do the drudge work. I analyze your investment options and recommend which mutual fund, stock, or other investments might meet your needs. I've been pretty lucky in my picks, so far.

Ahem.

Where were we?

I think this is the place I am supposed to twist your arm and tell you that you have to make a decision to join the Motley Fool Green Light service right now.

But the truth is you don't have to decide right now. All I'm asking you to do is accept my offer to take a look for a full month risk-free.

You have absolutely no risk! Let me explain...

Read our newsletter. Dig through our archives. Join in on our discussion boards. Run us through the wringer for a full month.

If we do not deliver the value we promised and the value you expect, let us know. We WILL make things right for you... even if it means refunding every penny you paid.

Take a look through it today without any risk at all and you can postpone your decision to subscribe until next month. How cool is that?

Awesome! Let me give it a try

Do it today and I'll lock in your special money-saving price of $49. That's $30 less than what the bean counters in the back room want you to pay.

49 bucks... not much at all to learn how to find more than $5,000 you didn't know you had, is it? Now, I'm not going tell you that it works out to about $4 each month and you could get it by just sacrificing one latte a month.

So no, I'm not dumb enough to ask you to give up your morning cup of Joe. This is about getting rich and enjoying life - not sacrifice, denial, and regimentation.

I can tell you, however, that most folks have a big beer stein or other container overflowing with change they need to roll and take to the bank. I bet you find at least fourteen cents of spare change in your pocket or purse every day. I know I do.

Well, those fourteen cents are more than the daily cost of Motley Fool Green Light. That's right, 14 pennies. What else are you going to do with them?

You can literally get a whole year's worth of tips, secrets, and advice worth at least $450 each month for the spare change in your pocket. Less than 14 cents each day. That's all.

But wait, there's more. (Sorry, I couldn't resist)

Here's a sneak peek at what we plan to share with you in the coming year:

Articles and tips on these core topics:

• Banking & Savings
• Credit
• Insurance
• Investing Basics
• Retirement
• Taxes
• Debt
• Real estate
• Consumer purchases

Of course we are going to cover them from your perspective, whether you are single, in a couple, have a family, or are a proverbial "empty-nester." Your needs and finances are unique and important.

We recognize that.

If this year brings a life change — buying a home, having a baby, retiring, switching jobs — we'll be there with advice and tips to help you make the best money decisions at every turn.

Right now, we're sharing tips for saving on taxes and planning for next year. Come springtime, we'll share some money-saving tips for spring cleaning your finances.

You need some fun in your life to stay sane, so we'll share some secrets for fun-filled summer vacations that don't demolish your budget. Next fall, we'll dig deep for all the good back to school deals. We might even find a few "sleeper stocks" during the dog days of August, while Wall Street's bull and bears are snoozing.

And those are just the articles. You can also plan on webinars, podcasts, chats, and videos. You get all those plus the blogs and discussion forums.

If you have questions about your personal finances, we're here to answer them. Our unique service cuts through all the clutter and financial mumbo-jumbo out there to bring you the best financial and investing tips, secrets, solutions, and advice so you can make the best money decisions in a way that is clear and concise - easy to understand, easy to do, and easy to track.

Take control of your financial future and get on the road to wealth with Motley Fool Green Light by your side. We provide realistic, specific actions you can take, not a lot of pie-in-the-sky theory.

Motley Fool Green Light is focused on you... your needs... and our promise of...

If I haven't persuaded you yet that taking a risk-free look at Motley Fool Green Light for a full month isn't the simple, no-brainer thing to do, will you accept a bribe?

How about three or four of them?

Accept my invitation to try a risk-free membership in Motley Fool Green Light for a full month and you'll also receive these 3 additional FREE reports. Just to thank you for taking a no-obligation look at Motley Fool Green Light.

FREE REPORT #1: How to Start Investing - This report is an ideal primer. It'll get you ready for the road to your financially secure future. Discover how to save, what to do with your savings, and how to outperform more than 75% of professional mutual fund managers - it's not that hard!

FREE REPORT #2: How to Pick the Best Mutual Funds - More than 75% of mutual funds under-perform the stock market's returns. This report is your easy-to-follow guidebook to finding the 20% that will grow your personal bottom line faster than the market!

FREE REPORT #3: How to Disaster-Proof Your Finances - Do you know where all of your important papers are? Do you have enough cash on hand in case of an emergency? Are you spending too much on insurance? Not enough? This How-To Guide will show you the simple steps you need to take to protect yourself and your family against a financial disaster.

Plus, if you act right now, we'll rush you this fast action bonus:

FREE REPORT #4: How to Plan the Perfect Retirement - This report takes the mystery out of IRAs, 401(k)s, Social Security, pensions, and much more. You'll discover exactly how these accounts add up over the long haul. You'll also discover how much retirement will cost. So you can start charting a course to the retirement of your dreams!

They are yours to keep... even if you make the decision next month that Motley Fool Green Light isn't for you.

Give us a try today. You can make a more fully informed decision next month. Fair enough? A quick click on the button below is all it takes.

START NOW!

Thanks,

Shannon Zimmerman