“The Human Computer”

Why Does This Man Have One Of The Most Dazzling Records On Wall Street?

Mysterious Arizona "Human Computer" Humiliates Wall Street "Experts" For 21st Consecutive Year!

\ \ \ \ \ \ \ \ \ \ \ \ \*

His Simple, Elegant System Earns Millions With Almost Zero Risk For Conservative Investors, Using An Overlooked IRS Financial Databank To Bypass The "Legal Lies" That Chew Up Most Portfolios, While Putting 14,000 Stocks Through A Unique "Meat Grinder" Selection Process That Turns Up Only The Most Profit-Dense, Bullet-Proof, Rock-Bottom Bargain Stocks In The Market!

\ \ \ \ \ \ \ \ \ \ \ \ \*

Dear Fellow Investor,

There's an "information meltdown" happening on Wall Street that threatens to dissolve every dime of profit you've earned or hope to earn with your investments.

The danger is immense...and immediate.

Here's how it's already working to hurt you: You've done everything you could to find a good, solid, high-yield/low-risk stock to put your hard-earned money into. You got a detailed recommendation from your broker, and you researched the company through the financial press and the annual report. All signs point to the stock being a great buy (with a clear path ahead for outstanding growth and price returns): Fat profits in the annual report make the price/earnings ratio impressively low...the company's average growth for the last few years is absolutely stunning...and the financial "wizards" of Wall Street are calling the offering a real "can't miss" bargain.

Sounds good, doesn't it. A real can't-miss.

There's just one little problem. None of it is true, because...

Everyone Is LYING To You!

You may as well take your cash outside and feed it to the dog. The "profits" reported by this company are figments of slick accounting tricks (counting deferred taxes, disguised debt and a selling-off orgy of company

assets as "earnings")...the "stunning" growth comes from a "statistical lie" that masks four losing years in a row...and...to anyone with the opportunity to see the real numbers...the stock is so overvalued it couldn't return a healthy profit if the market doubled overnight!

A cautionary fairy tale? Nope...just "business as usual" for a depressingly common number of companies in the market today. Over half of the S&P 500 have now been caught with their hands in the cookie jar, overstating earnings by 23% or more to stockholders!

Even worse, the deterioration of honest earnings reporting has reached such epidemic levels among large corporations, that serious "red flag alerts" are being raised all over the financial world. (And you should be outraged! One of the main reasons the numbers are being fudged is that the salaries and bonuses of top executives are directly tied to performance...so these greedy officers don't hesitate for a New York second to bend the rules in their favor!)

It's become a heart-stopping fact of life for most investors (who still rely on reported earnings as their only tool to "measure" stocks) to discover their portfolio is rotten with companies that have stepped way over the line in their wild scramble for your money. For the average investor, who never gets to see the real picture...

The Result Can Be Complete Financial Ruin!

Even the so-called "experts" have been dumbfounded by the catastrophic financial punishment handed out to investors who are betting their life-savings on stocks with accounting practices straight out of fantasyland! Yet...amazingly...almost no one has a clue what to do about it.

But you don't have to suffer along with all the other investors left dangling in the wind...if you act quickly.

Here's what this is all about: There's a reclusive, brilliant man living in the Arizona desert who -- despite working outside the financial "mainstream" -- has been outperforming Wall Street for over two decades...using an astonishingly accurate investing system that's immune to the "truth-challenged" propaganda dished out by companies. Every quarter, he scours the market, coming up with the handful of stocks (ignored by other investors) that are poised to soar in price, while meeting the most conservative criteria of "bullet-proof" safety any stock has ever been subjected to...offering staggering growth with almost...

Zero Risk!

Even better...these stocks are so honestly undervalued (by any rational analysis) they barely qualify as "bargains" -- at the price you can get them at, it's like trading pennies for dollars.

What's more, this mysterious man has been finding these overlooked "superstar" stocks for 21 consecutive years...earning an average compounded profit of 23.7% annually (gorging his recommended portfolio with profit despite going through the worst recessions, corrections and Bear conditions of the last two generations)!

It's one of the most dazzling records in the history of Wall Street --

consistent market-beating high yields over two decades with the power to turn "spare change" $3,000 annual investments into $1,086,228!

This amazing man's name is Barry Ziskin...and Money magazine very respectfully called him "the human computer" because Barry has a warp-speed brain that thrives on complex math -- in a typical quarter, Barry will crunch the numbers of over 14,000 different companies offering stock...

In His Head!

No computers. No calculators. Not even an adding machine. The numbers Barry feeds through his brain would choke a computerized financial spreadsheet program.

So what, you ask? The guy's a math whiz. What's that got to do with making money?

Plenty. You see, Barry's genius for math allows him to comb through more companies than any other financial "player" on the planet. Very few companies escape his attention -- and that means, if there are stocks out there that can meet his strict requirements for massive profit, with nearly zero risk, while selling for peanuts...he will find them.

But here's the "catch": He couldn't do it using the same financial information everyone else has. No. The information Barry uses to screen companies is hidden from the view of almost every other investor.

You see, a company can use sleazy accounting gimmicks to "legally lie" to you with artificially low P/E ratios...a broker looking to make his next Porsche payment with your commission can mumble his way through inaccurate growth statistics...and the financial press can get so caught up with the glamour of a given stock (remember the hype over high tech?) that it glosses over the fact it's obscenely overvalued.

Yet, there is ONE source of information that won't accept gimmicks, mumbling or fancy excuses. Companies may not hesitate to give you the runaround...but they will back down to the...

Internal Revenue Service!

And that is exactly where Barry looks to find the "unadorned" numbers he needs to quickly slash through the nonsense and find the honest, bottom-line truth about a stock.

But that's just one small part of this fascinating story. Barry's unique stock selection system (he calls it "the Z-7 System") is known among the most powerful investors in the world as one of "the best-kept secrets on Wall Street." This incredible process has been honed to razor-sharp accuracy in the reality of the stock market...and yet, the "Z-7 System" is so simple and elegant that the entire strategy...

Can Be Jotted Down On The Back Cover Of A Matchbook!

Here it is in a nutshell: To earn consistent high returns, without high risk, all you need to do is find companies that:

• ✓ Don't use accounting gimmicks to bloat profit statements...
• ✓ Are flush with cash...
• ✓ Have little or no debt...
• ✓ Show at least 6 straight years of measurable growth...
• ✓ Have a P/E ratio under 10...
• ✓ Haven't been discovered by the big mutual funds yet...and...
• ✓ Are selling at a super-bargain rate.

I actually saw a matchbook scrawled with Barry's plan. It read: "No acc't gimmicks. Cash, no debt. 6 yrs growth. P/E <10. Hidden. Bargain." As I explain how this simple plan of Barry's works, you'll understand why each point is so crucial for your goal of turning even modest investments into a million dollars in the fastest and safest way possible.

How reliable is Barry's "Z-7 System"?

Look at the record. Barry took $1,000 and grew it into one million dollars in the stock market before he was 30 years old.

Just after turning 30, he agreed to manage a one-time $10,000 investment for an older couple, and turned that into $1.2 million.

By the time Barry was 46, he had earned an average compounded profit of 23.7% annually for 21 straight years (prospering during some of the worst Bear conditions the market ever suffered).

And Barry Ziskin has continued that astonishing streak of record profits, humbling the "experts" who said it couldn't be done, earning him the trust of two of the wealthiest billionaires on the planet (men too smart to pass up proven money-making brilliance like this), and... more importantly...guiding a small group of "average" investors just like you into massive, staggering wealth with a well-planned assault on the market that avoids risk and never pays more than "bargain" prices.

These investors have learned, with Barry's mentorship, to refuse to gamble with stocks that do not meet their strict rules of bullet-proof safety and high-yield potential...refuse, at all costs, to allow a single penny of their principal to be put at significant risk...

And Refuse To Allow The Specter Of A Drawn-Out Bear Market Get In The Way Of Their Million-Dollar Goals!

Barry Ziskin's astonishing record has earned him rave reviews in all the major news sources: The Wall Street Journal, The New York Times, CNN, Louis Rukeyser's "Wall Street Week," Barron's, BusinessWeek, Forbes, Fortune, and too many more to list here.

Barry, frankly, is unimpressed with the accolades. He doesn't care about the press -- he cares only about the people who trust him for market advice. (This is not "hype", either. Barry moved as far as he could from Wall Street

because he didn't fit in with the overly greedy, immoral attitudes perverting the marketplace today. Despite being a relatively young man, Barry is the last of dying breed: principaled, ethical and dedicated to helping other people. He donates up to 45% of his wealth annually to children's charities -- an act of compassion you won't see very often in the exchange "pits" where most financial professionals prowl. He's devoted to his family, too...and happily spent years micro-managing his parents' meager savings into a luxurious million-dollar retirement...using, by the way, the identical methods he's now willing to share with you. What's more, the professionals and laypeople who know him consider Barry's word to be as valuable as money...an unfashionably courteous and devout "code of honor" he takes as seriously as life itself.)

What makes Barry's system so successful? Here's the best way I've found to understand it: Think of Barry's stock selection process as a "gauntlet" -- a harrowing Trial By Fire challenge that only the most honest, well-run, overlooked and low-risk companies ever survive.

There isn't a safer, more logical, or faster way to reach the million-dollar profit mark than to fortify your portfolio with exactly the kind of "no-excuses-allowed" stock that Barry can find for you. What he offers you is a series of "checkpoints" on your short-cut to wealth -- his unique system of delivering specific recommendations protects you from paying too much, from being "taken" by crooked accounting, and from getting stuck with companies that can't meet these super-conservative criteria for...

Maximum Safety And Huge Profit!

Each "checkpoint" makes sure you see only those rare stocks (which almost no one else discovers) that offer you the growth potential to turn even small investments into a million-dollar fortune! Keep in mind, as you examine these "checkpoints" for yourself, that no other financial "expert" on the planet puts this much work, analysis and pure number-crunching into the search for stocks...and...there isn't a more strict "gauntlet" of rigorous tests to pass among all the fancy stock selection systems in existence!

Here's how Barry's system burns through the market to uncover the "superstocks" that have the potential to turn your financial life around almost overnight:

MILLION-DOLLAR CHECKPOINT #1: Profits As High As 4,552%!

Barry sifts through more companies every quarter than most financial analysts examine in a lifetime. And every single company has to pass his "gauntlet" unscathed before they can reach Barry's coveted "recommended" list.

How severe is this "gauntlet"? Well, last year (a Bull market), just one-tenth of ONE percent of the 14,137 companies Barry crunched made it to his "buy" list. This is a major reason why Barry isn't very popular with a lot of companies out there touting their offerings -- out of all the stocks available (and begging for your money) in 1996...just 13 made it through Barry's hazing. All the others...every single one of the 14,124 "losers"...violated at least one of Barry's criteria.

And that's all it takes to get the boot in Barry's system...

One Strike And They're Out!

The few stocks that survive this "gauntlet" are like fresh horses brought out to race fatigued nags. (This "hyper-strict" selection test recently turned up several "buy IMMEDIATELY" stocks with such white-hot profit-potential that I actually held up the mailing of this letter to make sure I could include them. The first stock is Border TV, a compelling "bargain" stock with outstanding marks in every category...now up 37% in just a quarter! I'll reveal details on the other stocks in a moment.)

Even more important today, however, is the answer Barry can give you for the "Bear market jitters" most investors now suffer as the market seems to be spiraling out of control (and totally beyond reason). This is the time when Barry can become your best friend in the financial world! His "Z-7 System" has already proven it can beat Bear markets and "correction crashes" by finding spectacularly profitable stocks...even as the market self-destructs all around you. For example: Barry's system discovered Pick N' Save at its initial offering of $8 (long before most investors knew the stock existed) at the bottom of the '74 recession, only allowing his followers to sell it, just a few years later, to the Johnny-come-latelies...

At A Profit Of 4,552%!

This kind of stratospheric return is not at all uncommon to Barry's fans -- that same year he found Conair (which soared 550%), Child World (which hit 317%), and Aztec Mfg (which brought back 536%). Phenomenal success, all the more astonishing because Barry made the picks during the most brutal year for stocks since the Depression.

But who cares about 1974, right? Long time ago. Well, how about 1987 -- the year of the Black Monday crash when the market plunged 25%. Well, while other investors panicked Barry quietly delivered these outrageously profitable winners: Digital Comm (up 40%)...UST (up 22% for the year)...Coalite (up 59% for the year)...Matsushita (up 34%)...Rugby Portland Cement (up 50%)...and on, and on. In fact, on average Barry's picks for '87 were up...even while almost every other investor in the country saw their profits disappear down the black hole created by the October 500-point drop in the Dow! (Total Dow losses approached 25% for the year, and it took 3 long, agonizing years for the stunned market to recover. Barry's followers, meanwhile, continued to earn solid profits without a stumble.)

Even more recently: In the 1990 Bear market (believed by many to be the worst since the '74 recession) Barry discovered Airtours (up 42% that year, and eventually bringing back a return of 1,432%!)...Baird Co. (up 30% for the year)...and RCO Industries (up 27% for the year)...in fact, 95% of Barry's "top" picks for 1990 were winners! (Again, this happened in a brutal market that ate other investors alive...chewing up even the big mutual funds with losses of 28%-to-62%!) By the end of 1991, Barry's followers were coasting to portfolio profits of 54%! And Barry continued to pick head-turning winners in the 90's: Liz Claiborne soared 695%...Brent-Walker rose 655%...L'Oreal hit 511%...Essex Furniture returned 118% in one year...Coalite PLC rocketed to 200%...and UST Inc. was up an amazing 791%! (Had any mutual funds earning this kind of profit lately?)

Even better...the extraordinary market conditions of 1997 are producing solid "ground floor" (undiscovered) companies built for profit (yet selling

at bargains) at an astonishing pace. Already, the first-quarter returns are among his healthiest ever...promising perhaps the most exciting year for "gauntlet-surviving" stocks in the last two decades! (I've included four of these new "cash cow" discoveries with this letter.)

Are the examples I've given just flukes? Lucky guesses by Barry?

Not a chance. These are the kind of results you get only when you work smart, making use of information almost no one else bothers to check out, with proven money-making criteria that are "bullet proof" against the emotions, fads, and wild market swings that devastate most investors!

Barry wouldn't trust a "crystal ball" type of expert to tell him the sun would rise tomorrow. The financial "royalty" of Wall Street have been consistently embarrassed by Barry in the press and on television...as his dedicated homework makes their "hunches" look silly time and time again.

He's one of the most astute market historians in the country, too -- so when Barry looks ahead, he's never guessing or shooting from the hip. In August of '91, for example, while the nine reigning "financial geniuses" on television solemnly predicted an end to the Bull by that December, Barry knew they were wrong, and said so on national TV -- he correctly predicted record earnings for the entire market would continue well past '93. (His followers profited accordingly.)

Then, when the market was toying with 3000 for the first time, the "experts" were going out on limbs predicting a top of 3150. But Barry was confident they were foolishly low-balling the real potential of the market -- and Investor's Daily thought they had "caught" Barry pushing his luck... until he turned out to be absolutely right. He understands the fundamental truths behind the market's record-shattering adventure. He's also one of the few investors who advised their clients to get on early and ride it for all it was worth. No crystal balls were needed -- Barry merely uses his vast knowledge of the market, coupled with his long experience, bolstered with his astonishing system of finding...

Consistent, Fortune-Creating Profits!

Having Barry in your corner is like putting your portfolio on "Automatic Pilot" -- automatically protecting you against high risk, against paying too much for overvalued stocks, against getting "taken" by crooked or just-plain-stupid brokers...and automatically setting you up to collect breathtaking profits!

MILLION-DOLLAR CHECKPOINT #2: Guaranteed Bargains!

Barry's idea of a "bargain price" is so low, only a handful of companies ever pass this requirement. He insists that shares must be selling for less than 10 times the estimated earnings per share for the current year.

How outrageous is Barry's insistence on this requirement? Well, the average S&P 500 company now trades at nearly 19 times estimated earnings! That's close to twice the price Barry's looking for. It's also more than you should pay if you're looking to turn your investment into huge profits. History shows that companies with those kind of high P/E ratios are 16 times as likely to come in with lower annual earnings! Investors who don't demand bargains

suffer accordingly -- they buy high, and sell low.

A P/E of 19 is considered "normal" on the Street. A P/E of 12 gets a broker's greed-glands salivating. But Barry won't move unless the company's P/E is under 10. No exceptions. (His insistence on this strict criteria turned up Sierra Health Services on the NYSE...a diverse health care company with a gorgeous display of rock-solid numbers -- including revenues in '95 that were 16 times higher than '84 revenues, with a net income that skyrocketed over *50 times, to more than $21 million**! The company's P/E is less than 8 -- bargain-city* -- and Barry's "gauntlet" recently screamed "BUY NOW!")

MILLION-DOLLAR CHECKPOINT #3: Consistent Returns vs. Hallucinations!

How important is Barry's record of bringing in compounded returns of over 20%, year after year? It's the whole ballgame. Too many investors lose their chance to earn a million dollars by falling victim to the "earnings hallucination" of a yo-yoing market.

Listen carefully -- 99% of all investors fail to understand this critical mathematical fact of earning profits: A steady 20% return, year after year, will outperform a "hallucinated" average return of 25%!

Just do the math. Here's a comparison of how $10,000 of your money performs under, first, a consistent return strategy like Barry's, versus a strategy which (like most investors who ride the "waves" of the market) returns a 50% profit one year and a 25% loss the next. Now, most people think 50% up one year, 25% down the next means they're earning an "average" profit of 25%. It's an illusion that can cloud your vision and ruin forever your chance to become wealthy! Here's the comparison, year by year, for nine consecutive years:

``` 20% consistent gain: Initial investment of $10,000 1st Yr 2nd Yr 3rd Yr 4th Yr 5th Yr 6th Yr 7th Yr 8th Yr 9th Yr $12,000 14,400 17,280 20,730 24,880 29,850 35,830 42,990 $51,590

50% "Hallucinated" Average: Initial investment of $10,000 15,000 11,250 16,875 12,656 18,984 14,238 21,357 16,018 $24,027 ```

As you can see, even though the last year of this example was a year where the "hallucinating" investor actually earned a 50% profit, his TOTAL nine-year compounded return was LESS THAN HALF that of the investor who enjoyed just a 20% return, consistently! Plus, of course, the amounts just get further and further apart with each succeeding year.

Sort Of A "Wake Up" Call, Isn't It!

Even more important is how this kind of consistent return can take even a "spare change" investment...and mushroom it quickly into a million dollars. In fact...it is staggering how fast you can reach the million dollar mark. (This is the magic of compounded interest. Almost overnight, your money isn't just doubling, or even tripling...it's surging ahead with numbing speed!)

For example...if you can afford to invest just $10,000 every year, and enjoy the compounded growth Barry has demonstrated for 21 straight years... your investment will burst across the million dollar mark in less than 15 years. You could cash out at the 15 year mark with a cool $1,215,945.

Or -- with these kind of returns -- if you have a one-time lump sum to invest of $45,000...you will be worth $1,093,347 in 15 years without adding another dime of your own money.

Or...at a raging 23.7% return (like Barry has had for 21 years)...even if you only want to set aside $5,000 each year to invest toward your million dollars...you'll hit $1,810,300 in under 20 years!

Even letting your investments sit for only a few short years, compounding away, will cause your nest egg to swell to exciting levels. In just 5 years of consistent 23.7% growth, $30,000 turns into $86,890...$5,000 equal annual investments soars to $49,489 (and explodes to $192,824 in another five years)...and on, and on, and on.

The key, as I've shown above, is consistent growth. By the second year of consistent earnings at the level Barry has enjoyed for over two decades, you'll have passed all those other investors playing the "see saw" game of riding the market up, and then down, and then up, and then...down.

MILLION-DOLLAR CHECKPOINT #4: "Real" Numbers Vs. The "Cooked" Books

Now...I don't mean to shock you...but the fact is, most companies "fudge" their profit statements for shareholders so much that the numbers you see are almost meaningless. Some companies just outright lie in their annual reports (the "book") -- saying anything they think you want to hear so you'll come on board. Other companies use "accepted" (though still basically dishonest) accounting methods that paint a better picture than what actually exists.

And Barry catches them all. He can't be duped, since he NEVER accepts any numbers as they are presented. Barry bypasses the profit statements most people see (the ones in the annual reports to shareholders)...and uses only the same "Form 1120" numbers the Internal Revenue Service sees! Not one financial adviser in a thousand even has a clue how to do this...and yet it's really very simple...

Once You Know The Secret!

Here's how Barry does it: No company will pay more taxes than it has to. Therefore, they will purposely report the most conservative profit numbers to the IRS. These IRS numbers are, of course, also the most accurate portrayal of the profits the company has actually earned. Shareholders usually see different numbers -- numbers intentionally paraded out to fool them! You see, a company can report to you that it "paid" $70,000 in taxes last year...yet a close reading of the "fine print" shows they actually paid just $40,000 in taxes, and "deferred" another $30,000 in taxes!

What that means is this: The company owed the full $70,000, but used accounting gimmicks to keep from handing over $30,000 of it to the government in the year they owed it. It's all very legal, all very commonly done. But here's where it gets nasty for you -- that deferred $30,000 which will be collected by the government sooner or later has now become a "loan" that is absorbed into the general "profit" picture the company is painting for you! After a couple of rounds "deferring" vast loads of cash meant for the taxman... you've got a company with a serious bill coming due (which will flatten profits like a heavyweight boxer flat on his back and down for the count).

How common is this "gimmicky" accounting? Worse than you could imagine --

during the last decade, the average Standard & Poor 500 Company reported earnings to shareholders that were 23% higher than the earnings they reported to the IRS!

And that sort of "hidden" discrepancy, my friend, is a time bomb that will blow your future asunder when it goes off. I know of no other adviser who takes the effort to "double check" the figures given out by big companies. Using any kind of analysis, no matter how sophisticated, is wasting your time if the numbers you use are wrong to begin with. Barry takes the time to find the REAL numbers...and it pays off. (A good example is Barry's recent discovery of Woverine Tube on the NYSE -- with honest growth of 7-1/2 times in just four years! It's also shattered the six-years-of-growth criteria -- the slowest year showing an astounding 22.73% growth! This is a tremendous bargain, lighting up every "go" signal on Barry's checkpoints!)

MILLION-DOLLAR CHECKPOINT #5: The Numbers Vs. Emotion

One of the major ways most investors get shellacked in the market is by letting emotion rule their choices. They like the "way" a company does business, or get attached to the product itself, or read glowing reports in the financial press...or, worse, overhear a "tip" from a friend at a party. Barry dismisses all of this; the only things that matter to your bottom line profits are the NUMBERS.

Any company that has not experienced at least six straight, consecutive years of growth above the 10% level gets nixed by Barry. There are zero exceptions. While other investors are "wowed" by flashy promises and urgently whispered rumors, Barry sits in his quiet desert office 3,000 miles away from the chaos of Wall Street and coldly examines the...

Real Earnings Story!

He never goes out to visit companies, because he doesn't care about firm handshakes, ostentatious offices, pretty assistants, or "dog and pony shows" meant to get your blood moving and visions of prosperity swirling in your head.

None of that matters to Barry. It's all part of a perverse "dance" that uninformed investors and companies desperate for your money have been performing since the market began. The only thing that concerns Barry is whether the numbers can survive the gnashing teeth of his "gauntlet" -- the most restrictive criteria anyone has EVER put stocks through in the history of the market.

Those that survive are, simply, the best bargains for low-risk and high-returns in the market. There isn't more than a small handful of these "superstocks" in the world at any given time. They are hidden from the view of virtually all other investors. And...they can make you wealthy beyond your wildest dreams! (Barry recently uncovered just such a "superstock" in Tomkins PLC -- a superbly-run British conglomerate that works like a cash-generating machine! Solid growth for 12 straight years, with a remarkably impressive balance sheet...and a low, low price. One of Barry's most fervent "buy" recommendations so far this year!)

MILLION-DOLLAR CHECKPOINT #6: Real Growth, Without Smoke And Mirrors!

There's another "inside joke" being played on investors who only look at

the "book" numbers given out by a company. For years now, CEOs have used the gimmick of buying up other businesses, or selling off divisions of their own business, in order to bloat the books with what looks like profit. (And thus justifying the bloating of their own performance-tied salaries.)

The potential damage to your money is horrific. A company that counts acquisitions of other company's assets, or a lump sum from the sale of a division as "profit" is like watching a boa constrictor digest a rabbit -- the snake is sleek and normal, except for this enormous bulge making its way down the gullet. If all you look at is the bulge -- which is exactly what a "gimmicked-up" annual report to shareholders does -- you'd think the entire snake was much bigger than it actually was. But it's not the snake that's enormous...it's the meal, being digested. When the meal is gone, the snake returns to normal size...significantly smaller than you were led to believe.

Barry's solution is a cold, steely examination of the adjusted pretax income of each company...for the previous six years. No acquisitions or sell-offs count. And...the annual compounded growth must be at least 20% for EACH of those six years.

The reason for this is simple: Barry has discovered that a company which can meet this stiff criteria -- six years of 20% compounded growth in a row -- will, in 93% of the cases, show similar growth in the next year. Looking back more than six years doesn't increase those odds; looking back at less than six years significantly reduces those odds.

Even so, Barry goes one step further: He discovered that by looking at the last 10 years, and making sure the company showed a growth rate (in adjusted pretax income) of at least 10% in each of those 10 years... he could be as sure as humanly possible that he had a real winner.

Most investors go wrong by accepting the "average growth" numbers doled out by company's "creative" accounting departments. Without looking deeper than the "average" numbers, you cannot know if the growth happened because of one or two great years coupled with four years of disaster. This has caused MAJOR embarrassment for many financial "experts" who simply take a company's press releases as "news", and swallow the numbers given to them without batting an eye.

MILLION-DOLLAR CHECKPOINT #7: Debt Is Dumb!

This part of Barry's "gauntlet" is critical during these times where Bear market conditions are casting a constant shadow over the entire investment world. Even in good times, Barry will not look twice at a company burdened with debt, or so lacking in cash reserves it can't react quickly to emergencies...or, in the case of a sudden and severe correction, have the money available to scoop up the remains of their fallen competitors for pennies on the dollar.

Barry takes a close, hard look at liquidity in every company he studies. His picks are 30 times more conservatively financed than the average S&P 500 company...with zero (or very little) debt...and abundant cash reserves on hand.

You must understand how important liquidity is during these uncertain times! Even in a "go-go" Bull market, this kind of "no-debt/lots-of-cash" position puts a company way ahead of the game...in a Bear market, it's like having a 4-wheel drive truck to get across rocky countryside everyone else has to crawl

through on their hands and knees!

MILLION-DOLLAR CHECKPOINT #8: Complete And Uncompromised Independence!

The only way to guarantee you are getting both the rock-bottom bargain price, plus a company that is unbeholden to interests outside its own...is to find those offerings that are still undiscovered by the Big Boys -- meaning, the large mutual funds.

Barry will not consider a company "compromised" by more than a 10% ownership by the big fat cat mutual funds. Any more than 10%, and the company would be at the mercy of any large institution or mutual fund which could, without warning, dump huge blocks of the stock for no reason at all, sending your investment into cathartic shock. (Eighty percent of the money now swelling up mutual funds has been put there since 1990 -- which means it's all Baby Boomer 401(k) retirement funds, college tuition and inherited money that's never been tested by a serious "bad" market turn! There's more cash riding in mutual funds now than the entire gross national product of Germany...and fund managers are under brutal pressure to do whatever it takes to keep profits high. Even if it means -- as it frequently does -- disemboweling certain stocks as soon as they even appear to stumble! Barry will not go near this profit-mauling trap.)

Barry's picks are independent companies, going about their business untainted by anonymous, absentee owners who might use the company as a pawn in the stock market game. Again, companies with the sort of growth and solid business Barry looks for don't often stay "hidden" from view for long...yet, amazingly, for 21 years, Barry has found them.

The "Big Boys" are in awe of Barry's ability to uncover super-hot companies years before they are recognized by anyone else...which means your compounded profit is multiplied dramatically merely by being "first in line," year after year, for the best bargains in the market.

MILLION-DOLLAR CHECKPOINT #9: Real-World Diversity!

One of the biggest mistakes investors make is to confuse buying different types of stocks or mutual funds, with real, "fail safe" diversity. Barry uses the natural diversity of the "world" market to ensure he takes advantage of the built-in safety features of being internationally "bullet proof".

All the great investors in history have known something most American investors ignore: At any given time, no two markets in the world are reacting exactly the same way! That means, of course, that even as the Dow is taking a beating, the Dutch, British, and Zurich/Basel markets may be surging ahead. Barry has used this amazing fact to make sure his stock picks aren't reliant on any one market.

A few years ago, many investors were daunted by the potential difficulties of buying foreign stock, but all that's changed. The large brokerage houses are now international, and Barry has simplified foreign buying for his followers...with a step by step buying plan that makes buying foreign stocks as simple as any U.S. stock. Any investor who hasn't caught on to this easy, safe way to gain complete diversity in his portfolio has put all his eggs in one basket...and multiplied his risks of losing everything exponentially!

Real -- not "imagined" -- diversity means real safety. And safety,

combined with consistent high returns, means a fortune for you.

MILLION-DOLLAR CHECKPOINT #10: The Perfect Bear Market Strategy!

Would you like to believe -- as nearly all the "rookie" investors and young brokers out there do -- that the market can continue to rise and rise and rise forever...and that any "bumps" or dizzying drops in the Dow are simply "corrections," just the natural jiggling that happens when the market is getting comfortable before another assault on record earnings?

Well, then I admire your optimism. You shouldn't be reading this letter -- you should be on the phone buying up every share of every stock you can track down, and planning your retirement with as much luxury as your soon-to-be-realized "easy profits" can buy.

On the other hand, if you have an ounce of common sense, you must realize by now that the last leg of this Bull market has been based on pure emotion. It was a mad-cap party hosted by bloated, overvalued companies so drunk with their own hype they were dancing on tabletops with lampshades on their heads.

You must also realize the most recent gut-wrenching spikes in the market aren't just "burps" between courses. The "corrections" the last Bull saw were equal to the entire Dow just a few short decades ago! And, while the majority of brokers -- and even a staggering majority of money managers -- aren't old enough to remember the last real Bear market... those of us who DO remember know that recessions and Bears and long, grinding slumps are inevitable to the market. The Dow has NEVER gone up more than 30% two years in a row (and this is still true despite the record numbers 1996 saw). It HAS crashed with alarming regularity, pushing entire generations of investors off the cliff and into financial ruin.

Barry has seen what Bear market conditions can do...and he has constructed his entire system with that in mind. In fact, Barry's system is the PERFECT Bear market investment strategy...since it only invests in companies that are well-managed...flush with cash (to take advantage of Bear opportunities as broke companies sell off everything just to survive)...not crippled with debt... profiting from real growth; and not the accounting gimmicks of less solid companies...plus...they are so undervalued, their bargain price is already as low as it can logically go! All stocks move, up or down...and if you buy a stock that is already at rock bottom, despite the company showing all the critical signs of surging upward...well, then you're perfectly positioned to not only survive the Bear, but to profit handsomely as the market moves back up.

Clearly, it's the most brilliant strategy you could have this year.

The fact is, Barry's system is NOT for most investors. His system doesn't have enough "pizzazz" and glamour. It's not for the investor who can't stand to see other investor's stocks zooming to record returns all around him -- even if their stocks' growth is fueled by pure speculation, corporate greed, and "cooked" numbers. Those investors might enjoy a great short-term ride but it's Barry and his investors who get to the finish line first.

Barry seeks investors who feel comfortable letting Barry's consistent record make them millionaires but have no interest in what the "herd" is doing...no interest in the emotional scrambling of the "excitement junkies" out there...no interest in risking everything on a wing and a prayer.

The people who follow Barry simply HATE to lose money, but LOVE to earn steady, consistent, and very impressive profits, month after month, year after year. Making piles of money is never "boring"...not when you keep your eye on what all that amazing wealth can bring you: Any type of lifestyle you choose to live. Anywhere you want to settle down...if you want to settle down at all. The world is your oyster -- all the excitement, all the wonder, and all the luxury you've ever desired is yours. For the rest of your life.

And you never, never, ever have to worry about money again.

Barry Ziskin's Contract With Investors!

As I've already stated, Barry Ziskin is ethical, principled...and generous. Despite the grudging respect and honors paid to him by the press and other analysts, Barry would never consider asking you to "trust" him. He asks just one thing from investors who wish to see for themselves what all the fuss is about him: The opportunity to treat you as he demands others treat him. With respect. And without asking for money he hasn't earned.

The genius of Barry's fortune-making system is finally available to investors (like you) who are outside the Wall Street mainstream. For just over three years now, he has been writing a monthly newsletter called "Investing With Barry Ziskin." This astonishing "insider" publication is, and always will be, restricted to a very small, very select number of subscribers. It is a unique publication, much more detailed and specific than anything you've ever seen before...and...very explicit in the treatment of those few stocks which have passed Barry's super-strict "gauntlet".

Barry would like you to examine his newsletter...but without risking any of your own money. And...he wants to make sure you are rewarded -- just for giving him the chance to show you the amazing money that can be made with his system.

Here are the "terms" of Barry's contract with you: If you will act today, Barry has instructed me as his publisher to make sure you get to see the next entire year's worth of newsletters with a complete 100% Money-Back Guarantee of satisfaction. If at any time, for any reason (or even for no reason at all), you decide Barry's newsletter isn't for you...you can get a complete refund of every penny you spent subscribing. No exceptions, no hassles...and no questions asked.

What's more...the price you do pay for your "trial" subscription is less than what everyone else has to pay: The normal rate (paid happily by investors all over the world) is $177. All you pay is $99.95 (that includes everything, shipping and handling, postage, everything)...and, of course...you will receive every cent of it back if the newsletter doesn't live up to your exact expectations.

But there's more: By replying right away, Barry has also asked me to arrange for a "financial mini-library" of material he considers critical for your prosperity over the next 6 months to be rushed to you. This entire "mini-library" is so important, we've already paid for the printing and set it aside for you...it is yours to KEEP even if you later ask for a refund of your subscription price. That's the way Barry wishes people would treat him when he tries new things...and that's the way he insists on your treatment as well.

The titles of this amazing material include:

• *"The Ziskin One Million Dollar Plan: How To Secure A Lifetime Of Prosperity"...for most folks, your FIRST glimpse at a real-life plan to "force-feed" your retirement with a million dollars in the fastest, safest and most stress-free way possible! (Some of the richest investors in the world* own this report!)

• "How To Find A Broker You Can Trust (and how to catch the crooks red-handed!)... simple yet powerful "truth serum" tactics you MUST have if you plan to trade even a single stock this year! (With the market staggering up and down like a palooka boxer, this is MUST READ material!)

• *"The World's Best Growth Stocks" (a specific selection guide for a roiling hot-bed of undiscovered stocks)...a "short-cut" primer on the most misunderstood* yet still profit-potent corner of the market! (Answers the question for you, "Is there still a way to earn 'easy money' on Wall Street?")

• And...perhaps most importantly...a hot new report called: "Bear Market Insurance: How You Can Profit From The Coming Bear Market." As basic to your survival in the coming months as food and water.

• Plus, you get what may be the most important "HOTLINE" bulletin you'll see this year -- a report that was nearly censored because of the outrageous news it uncovered...it's called "Financial Suicide: The 100 Top Stocks That Are LYING Through Their Teeth!"...and if you don't learn about these "bad boys" right away, you may have already lost a fortune in promised profits!

• PLUS...on top of all this...you get a detailed "mini-prospectus" on the most recent "superstocks" Barry has uncovered -- and put blazing "BUY" signals up on -- for 1997!

And the best part is...all of this is free with your trial subscription...

Yours To Keep Forever No Matter What You Later Decide!

But wait! There's another special report (still hot from the printer) called "The Barry Ziskin Income Plan -- How To Turn A $10,000 'Self-Loan' Into A Double-Return Annuity"...and I have to tell you, this unreleased special report is already creating a virtual stampede among smart "insider" investors. This report reveals astonishing secrets that show you how to put $10,000 into an account that is fully liquid yet kicks out big cash returns year after year until you decide to move it, and will at that time return your initial ten thousand dollar investment. Impossible? Can't be done? Wrong. Barry designed this investment tool for those investors who seek annuity-like investments with two times the standard annuity returns.

A double annuity-like payout! It's the best piece of news any investor at or near retirement age could ever hope to uncover (especially in these market conditions). However, because of printing costs, Barry has to reserve this very-special report only for investors who extend their trial subscriptions to 2 years. That's really the best deal for you -- because you still get the unconditional, 100% money-back guarantee for the entire 2 years...yet you save over 45% of what everyone else has to pay -- receiving 24 monthly issues of "Investing With Barry Ziskin" for just $189! It's the choice nearly all truly

serious investors make...risk-free, with an additional special report to keep on top of the "mini-library" of other materials...plus an extended examination of what Barry offers you!

Here's what you need to do now: To order your no-risk, better-deal-than-anyone-else trial subscription, you can use your credit card and call 1-800-211-6357 (that's a toll-free call). Just tell our representative that you want "The Special Trial Subscription Rate For Investing With Barry Ziskin", and they'll take care of everything. Or, if you prefer to pay with check or money order, simply fill out the enclosed "Priority Order Coupon" and mail in the postage-paid envelope.

And that's it. Your first newsletter will be rushed out to you, along with your free "mini-library" of special investing materials. You are under zero obligation to do anything else, and your 100% money-back guarantee is good for the entire length of your subscription. (You can cancel after seeing the last issue if you like -- Barry has given you the most generous opportunity he could possibly arrange to see what he offers...absolutely risk-free!)

Time, of course, is tight. If I've done my job, what you've read today has got you very excited about the record-shattering profit-making potential available here for you. Barry's system can start working for you immediately... but you need to call right now. Before you put this letter down and risk forgetting.

This is an honest deal from an honest man...and more outrageously generous than it needs to be. Word of Barry's newsletter is spreading like wildfire among investors...but only a select number will ever be asked to subscribe. The mailings are rigorously proportioned -- you may never see this opportunity again.

Please...call right now (or mail your Priority Order Coupon today).

Sincerely,

[signature: Christopher Marett]

Christopher Marett Senior Publisher

P.S. I told you Money Magazine called Barry "the human computer...with investment advice that is eye-popping proof some people can consistently beat the market by wide margins!" Here are just a few more comments from a humbled press corps: "Dazzling...his record is something to behold!" (USA Today)..."Barry is a Wall Street wunderkind and one of the street's best-known stock pickers!" (New York Post)..."Ziskin's strict investment criteria weed out not only the bad and mediocre but also above-average firms. Above-average just is not good enough...Ziskin wants only the BEST!" (Wm. Donahue, author of 6 best-selling investment books, CNN commentator)..."The companies in his portfolio have achieved average compounded earnings growth of 34% over the 1980s!" (London Financial Times)..."Has discovered a method of ferreting out unrecognized growth companies..." (New York Times).

To take advantage of this special invitation from Barry to you, call 1-800-211-6357 today.