“3 More Ways To Use Real Cash In Your Promotions”

[photo: crisp one dollar bill reproduced full-width across the top of the page, where a headline would normally go]

Priority mail from: Dr. Russ Horine, President, TRS

Dear Richard,

I stapled a dollar bill to the top of this page...

Because I Abslutely HAD To Get Your Undivided Attention!

What I have to tell you is not just vitally important... it's also incredibly time-sensitive — and if you don't read this letter right now... while you still have it in your hands... you will miss out on perhaps the most exciting (and life-changing) event that has ever come your way!

Attaching a dollar bill on the letter was the only way I could think of that would guarantee that I at least got a chance to get through to you immediately. Right now there is a small (very small) window of opportunity for you... but because of some very "high up" interference... that opportunity could all be gone forever by tomorrow!

Today is the day for you. You must trust me on this. Today is the most important day you've had in a long time... and in just a moment you'll understand why.

Here is what it's all about:

This letter is going to outrage some very important (and very dangerous) people... people who would very much like to see me go away and never again mention the words "Delta/Seal Training Camp" ever again! And I believe you know which "training camp" I'm talking about — the ones we put on this past year that were hosted by actual Navy SEAL and U.S. Army DELTA veteran trainers (with real-life combat experience)... who, for 4 incredibly intense days, shared everything they knew about close-quarters combat. And they shared it all with civilians like you... the ONLY time in the history of the U.S. military that this kind of high-level training was revealed to anyone not already inside the Special Forces! In fact... regular enlisted soldiers never get to learn these world-class combat skills!

These training camps will never be held again!

They cost $3,750 just to attend... and everyone who came raved about what they learned and came away with. The camps were the most complete training in "elite level" military hand-to-hand and firearm expertise ever offered to anyone outside the Special Forces. It was a dream come true for anyone who ever wanted to learn (and master) the inside secrets of brutally-efficient hand-to-hand combat and expert-level handgun training... the kind of knowledge that will make even the

craziest streetfighter think three times before trying to take you on... and, if he does come after you, he will suddenly (and painfully) realize...

He's Made A Very Serious Mistake!

We went way out on a limb to offer these camps... and we made a lot of people very, very angry.

Well, I don't care. All the protests from mysterious "high up" military brass... all the investigations by Federal agencies... and all the whining and hand-wringing by the U.S. news media didn't stop us from holding three of these camps last summer. They almost stopped us... but we pulled it off!

And now it's over. These amazing camps will never, ever be held again. There was a small window of opportunity this past summer, and we bulled our way through three times. (We were banished from 5 of the country's major gun ranges at the last minute, under very mysterious circumstances, before finding the courageous California range we finally held these camps at.) Now, that little slit of opportunity is gone forever...

Slammed Shut By Outside Forces We Simply Cannot Fight Anymore!

That means you can never attend a Delta/Seal training camp like this yourself — even if you have the $3,750 each attendee paid just to get in... plus the hundreds of dollars in airfare... plus hotel costs... vacation time off... food... and equipment. By even conservative measures, most attendees shelled out over $5,000 to come. Yet, even at that outrageous price, they considered it the bargain of a lifetime. Four days of intense, personal training in combat-tested hand-to-hand fighting tactics... plus the complete mastery of "elite military level" handgun shooting skills. Taught by the most respected trainers on the planet — actual combat veterans from the ranks of the Navy SEALS and the U.S. Army DELTA Special Forces!

But what you are about to pay for the same training — through a hyper-intense video package of the actual minute-to-minute training at the camps — is a mere fraction of what everyone else had to pay! Not even a significant percentage of the cost... less, even, than what the attendees used up in 9mm and .45 bullets during a single day of these adrenaline-charged camps!

In fact, my friend... you will not pay 10% of what everyone else paid... you will not pay 9%... or even 8%! No. What you will pay for your customized copy of the only existing video tapes of these notorious, amazing camps is LESS than 8% of the cost most attendees shelled out...

A Savings Of Over 93%!

You read that right — these tapes are available to you... and only you (since no one outside my tiny personal list of "privileged clients" will even see this letter or know of its existence)... for what amounts to spare change compared to the outrageous costs the attendees had to shell out!

No matter how you look at this... it's the greatest bargain you'll ever come across... for what will instantly become...

The Most Important Fighting Skills Of Your Life!

Just like the attendees, you are going to witness every single minute of training instruction, direct from the best teachers in the world. In fact, because of the

advantages of better camera angles, professional editing, up-close shots of whispered advice, and your ability to rewind and go over any point until you "get it"... you have an even better opportunity to learn than many of the attendees did! Just by studying these sophisticated, "executive-level" training sessions, you will learn:

• Incredibly-effective fighting techniques you can master overnight... skills that give you the devastating ability to instantly take down even a steroid-enraged street punk twice your size, without breaking a sweat! (Taught by the same experts who train the Navy SEALS in advanced hand-to-hand combat!)

• Simple defense strategies for "arming" your family and loved ones with the skills, know-how and awareness to avoid 90% of the crime that ruin other people's lives (carjacking, rape, assault)... and to reverse any attack so you come out the winner and never the victim! (Taught by the same "security" experts who handle international security against terrorists in places like Haiti, Lebanon and South Africa!)

• Expert "elite military level" handgun shooting skills that will instantly put you among the most respected "weapons savvy" people on the planet! (Taught by decorated veteran sharpshooters and "still-in-action" military team leaders!)

And what's so great about this training you'll see is, it's all "packaged" to be learned fast (overnight, really)... even if you've never trained in anything before! In fact...

• You don't need any previous training or skills at all — most the attendees had no military experience, no gun-handling and no self-defense training before coming to these camps!

• You don't need to be in good shape (or any kind of shape at all) — this was not a bootcamp based on survival skills! In fact, many of the attendees were "desk jockey" types, including executives from Fortune 500 corporations (aged 50 and over)... and others were young students, and women and men from every walk of life and occupation imaginable! (This was a true "cross-section" of America — people like you, your neighbors, and the businessmen downtown!)

• In fact, all you really need to get the most from these training tapes is the simple desire to change your life, quickly... to stop walking in fear, and instead, give yourself (and your loved ones) the immediate, totally-devastating skills necessary to control every potentially-violent situation you could ever encounter in this increasingly-dangerous world!

And the best part is, you'll learn it all very fast — because you have, at your beck and call, the very best trainers in the world, right there, teaching you in the mega-intense, proven way they know will "install" deep inside you very quickly, the hottest training available anywhere! (A California SWAT team cop told me the bank vice presidents at these camps were getting better training after only two days than his "badge" colleagues were in their entire careers!)

This high level of training is almost impossible to comprehend without witnessing it for yourself. It's all given and overseen by Tom Carter and Frank Cucci...

Without Doubt, The Most Respected "One-Two" Team In The Country For This Type Of "Real Combat" Training!

Tom Carter spent 17 years in active service, first in the Green Berets, and then as an "Alpha One" team leader with elite DELTA Special Forces. (He was one of just 5 men to complete the required selection course — 95 others couldn't hack it!) He and his men were in some of the heaviest firefights (against Russian-trained Cuban storm troopers) of the Granada invasion — five of the six Blackhawk choppers carrying them were too shot-up to fly again! In Haiti, Tom was one the few "civilian commandoes" in

charge of protecting President Aristide every second of his day during the recent trouble. In Peru, Tom was among the few handpicked Americans hired to help their Navy go after the notorious Shining Path terrorists (the bloodiest butchers of this century — their favorite terror tactic is to slaughter entire villages for no reason at all, leaving severed heads on spikes as a warning to all who oppose them).

I tell you this to illustrate the astonishingly high level of instruction you get with these tapes. Tom has been written up in magazines on 3 continents (including Newsweek)... and because of his elite stealth and counter-surveillance training, he pulled off half-a-dozen "child rescues" on foreign soil (including Saudi Arabia, Jordan, Equador and South Africa)... under the noses of the most rabid terrorists on the planet! His corporate clients include the Solomon Bros. (security manager for their headquarters in the World Trade Center in New York), major South American presidential candidates (as senior security advisor), plus various U.S. senators and ambassadors overseas (as security supervisor). Serious stuff.

Tom has even earned a little bit of fame in the last few years — newscasters sought him out for opinions on that sickening Oklahoma bombing... and Multi-Media, Inc. even has a television/movie/comic book series (sort of like the old "A Team" tv show) coming out with a character based on Tom's adventures.

Frank Cucci has an equally interesting history. For 12 years he was one of the top Navy SEALS — a member of the "elite-of-the-elite" SEAL Team Six (which has had a dozen books and movies dedicated to them), where he saw mortal combat. These are the "first in, last out" soldiers in any action... and they get very "unusual" freedom in how they do their jobs in the field because of their spectacular success in "black bag" operations. Frank was the creator and Chief Instructor of the Naval Special Warfare Unarmed Combat Course... and the techniques he brought to the SEALS...

Have Been Used In Every Recent U.S. War And Engagement!

Frank is a nice guy... but when it comes to hand-to-hand combat, he's absolutely the last man you'd want to come across. He teaches incredibly-effective (and brutally vicious) fighting secrets that come from his training in Jeet Kune Do (where he studied with the famous Dan Inosanto, Bruce Lee's training partner) and the respected Thai boxing master Surachai Sirisute (perhaps the most respected names in martial arts today). Without a doubt, Frank is the best teacher you'll ever see — a professional who knows how to impart serious training secrets FAST!

And working with Frank and Tom are expertly-trained men who were hand-picked (many are still active in the military)... including several men you might recognize on the video... and whose presence, if you know anything about "who's who" in the U.S. Special Forces, will take your breath away!

Just watching these videos will literally transform you... because once you've witnessed the inside secrets and tricks and special training that can be yours (and so easily), you will be a different man. The kind of man who can hush a room just by walking in... with a sense of calm confidence and centered power that shines like a searchlight in your eyes.

Here's just a "taste" of what you are about to learn:

• Incredible "military tricks" that can take you from absolute rookie to a master of the handgun in just a few short hours! (No civilian "trainer" on the planet understands the secrets the Special Forces have to quickly pump efficiency and accuracy straight into your muscle memory!)

• Insider fighting secrets that only the most elite soldiers who have faced real combat could ever share with you! (20 years of formal karate couldn't even begin to match the level of intense fight-to-win training you get from just a "short course" with these experienced soldiers!)

• How to handle a weapon better under overwhelming stress than most people can in the calm serenity of an empty firing range!

• The 8 huge mistakes almost all men make with firearms... and how to handle your weapon like an expert overnight! (Even if you've never picked up a gun before in your life!)

• How to set up impenetrable "safety zones" in your home that no criminal can get by!

• How to master (quickly) a very secret "streamlined" hand-to-hand combat technique that will turn you into a walking arsenal of natural weapons!

• Where to strike your opponent to end any fight instantly, no matter how big he is, or how surprised you are by the attack! (With these "blitz" fighting tactics, you'll be victorious and done before a bead of sweat appears on your brow!)

• The 12 "tactical" survival rules you must know to win an armed encounter with any attacker — including the horrendous "Hollywood" mistakes most people make that get them seriously hurt or killed! (Some of the most "normal tendencies" you have are 100% wrong!)

• The one "basic" mistake even some cops and soldiers make (despite their expensive training) that erases their training advantage in a streetfight! (You'll never fall victim to it yourself!)

• How to learn the "facts of life" about your city and neighborhood — how many sociopaths are out there preying on your family, where you stand legally on self-defense, and what you can and can't expect from the local police when you need help! (99% of your neighbors live in a state of permanent denial about the dangers facing their families... knowing the truth will give you an advantage they will never enjoy!)

• Why a simple change in your "mindset" will mean the difference between being a victim... and being safe!

• How to handle pepper spray! (A great tool that even the most deadly soldiers now consider an important part of their self-defense package — but you must know how to handle it correctly!)

• Single takedown moves that require no strength whatsoever! (Perfect to teach your kids and wife... or to use when you're hurt or attacked by bigger men!)

• How to immediately win a fight if you find yourself on the ground, on your back, with a bigger opponent on top of you! (There is now no position you can be forced into that will take away your fighting skills!)

• How to master what cops never learn about handguns!

• Why untrained shooters often pick the wrong targets 100% of the time! (This is crucial information not one shooter in ten thousand ever learns!)

• How to cancel out the 7 most common ways criminals surprise families inside their own homes!

• *The 2 "warrior-tested" combat secrets of winning a fight every time!*

• How to unleash the "animal secret" within you that can turn around any situation where you are horribly outnumbered and surprised! (A 40lb. wolverine uses this secret to drive off whole wolf packs from their own kill!)

• *The fastest way for even a gentle, never-in-trouble man to instantly bring up the necessary aggressive response to attack! (This secret is often all you need to force back an assault, since most criminals are not prepared* for expert, aggressive counter measures!)

• How to control the "shakes" and super-hot adrenaline dump that occurs during

tense, violent situations! (You'll be cool, smooth and effective no matter how confusing things get... just the opposite of how most men react!)

• How to "finish" a complicated situation with clever (yet simple) pain-compliance tactics that will guarantee you have complete control over your opponent!

• Plus, how to fight (and win) barehanded against clubs and knives... how to choose the right gun for you (there are many bad choices)... how to use the new "pencil" locator tool (called a "kubaton") that fits in your shirt pocket, yet is an incredibly efficient and brutally effective self-defense weapon... how to teach your wife and kids the basics of self-defense (so they will never be surprised by an attacker)... and more. So much more, it would take me a dozen more pages just to outline it all!

• What you get in this package is 7 complete video tapes — over 9 solid hours of intense training and insight into real combat skills you can learn quickly! These tapes were painstakingly edited down from over 245 hours of raw footage taken during the four camps... so what you get is ONLY the "down and dirty" important stuff. All the "dead time" has been edited out. All the meat, all the secrets, and all the "hot" info is there for you in a super-condensed, easy-to-watch (and master) format.

Plus, like I said before, by watching the tapes, you actually have a better view of things than the actual attendees — because our cameramen went in close, catching conversations most people missed, focusing on the crucial parts of the instruction (so you can rewind and study them), and giving you a complete, total and uninterrupted course on combat...

The Absolute "Gold" From These Famous Training Camps!

And you get everything the attendees received, too — nothing has been held back. In addition to the 7 video tapes, you also get the same thick Manual of Self-Defense Tactics the attendees got. This heavy manual is packed with information and details on home security, gun safety, secrets of effective shooting, tips on handling attackers, everything. Corporations have paid over $800 apiece for this manual (the exact one you will receive)... and it is not available anywhere else in the world for any price! In fact, much of the information was actually "classified" until very recently... and is still impossible for civilians to find.

Sounds good, doesn't it? And the best part is... it is all yours...

For A Ridiculous Fraction Of What Everyone Else Had To Pay!

So here's what you need to do now: Call my office right away (today) at 1-800-899-8153 (Ask for Department DS-05). Tell whoever answers you have received the Priority Letter from me about the "Boot Camp Video Package", and you want it sent to you. You can use your credit card — or, if you prefer, you can mail the enclosed Order Coupon in with your check or money order. The cost for this amazing package is just $377, plus $14 shipping and handling (it's a huge package!). Once we get your order, your package will be rushed out to you by return mail — all 7 videos, plus the thick Tactics manual, everything.

That outrageously-low price is going to send shock waves through the country when word of it finally leaks out! (It's less than 8% of the total costs nearly all the attendees had to pay to come to the camps — you aren't even paying what the attendees shot up in shells in a single day of training! Their hotel bills alone were higher than that!)

My friend, if you are even remotely interested in learning the honest secrets of

hand-to-hand combat and handgun shooting — as taught by and for the Special Forces — then this deal is the absolute bargain of your life. Corporations like the big oil companies and financial giants in New York pay thousands of dollars in fees to Tom and Frank for their advice... but even for all that money, those executives and big-wigs don't even begin to see the detailed secrets and inside stuff you will get with these videos!

And they never will, either.

THIS IS VERY IMPORTANT: Absolutely no one who does not receive this personal invitation from me will be allowed to purchase this video package! It is not being sold to strangers, or to corporations, or to government agencies. Nor is it being sold through any other means — no ads in magazines, and no "word of mouth", either. The reason is simple: As soon as word leaks out that we are selling these tapes...

The Same "Powers That Be" Who Shut Down The Training Camps Will Attempt To Halt These Videos!

The Delta/Seal Training Camps are now history. I don't want to go into the details, but the end was a messy affair. Even though every single police officer who visited the camps (and there were many) liked what they saw... even though every news media person who came by raved about the quality of the training (and discovered there was nothing even remotely "strange" about the corporate execs and business owners and students and blue-collar people who attended)... even though we had wonderful articles written about us in 5 major newsstand magazines... even though the government agencies who investigated found nothing illegal or even "quasi-legal" going on... even though there were no rednecks, no skinheads, no neo-Nazi's, no one with wild-eyes to be seen anywhere... despite all this...

We Still Were Stopped Cold!

I would love to tell you there is another camp coming up soon you could attend personally... but there isn't. They are never going to be held again. Not for $3,750... not for a million dollars.

I would also like to tell you to relax about getting these tapes... but that would be wrong, too. There is a set of them here waiting for you today... but I absolutely cannot guarantee they will be here for you tomorrow! Too much has happened that has ruined my faith in the "future". If you want these tapes...

You Must Act Right Now... Today!

I'm serious. The money, really, is irrelevant. (The manual you get alone is worth twice the purchase price of the entire video package.) Just shooting, editing, reproducing and condensing all those hours and hours of tape cost me so many thousands and thousands of dollars... I don't know if I will ever make a profit. That's just the truth. I'm making these tapes available because I'm pissed off about the camps being closed down... and...

Because Releasing The Tapes To People Like You Is Simply The Right Thing To Do!

And what you pay for these tapes doesn't even amount to much more than a few lessons at the local karate club... or a new handgun... or a couple of hot nights out

on the town. Yet, what you get is worth so much more. The confidence. The skills to repel attacks, and win confrontations in seconds. The sudden lack of fear you will feel just going out on the streets... and the incredible feelings of safety you can now offer your family and loved ones.

There's no price you can put on that. There's no amount of money you can spend that can buy you that kind of peace of mind... because it's not for sale. But you can earn it... and watching these video tapes is, absolutely without doubt, the best and easiest way for you to do that!

But you must call right now — while this letter is still in your hands. While the opportunity to get these amazing tapes still exists. And while you are still "hot" with the knowledge that — truly — your life is about to change in fantastic ways... as soon as a few short days from now!

Call. The number, again, is 1-800-899-8153. You must tell whoever answers that you have received this Priority Letter from me — no one else will allowed to purchase these tapes, under any circumstances. And please — as a favor to me — no matter what you do... do not "leak" their existence to anyone else! Not even your best friend. This is important. For you. For the handful of other people who have this special opportunity to get these tapes.

Call right now.

Sincerely,

[signature: Russell L. Horine]

Dr. Russell Horine

P.S. One more thing — it's important. We were literally flooded with letters from people who attended these camps... and I thought you might like to see what they had to say. These are real people, people just like you and me... who took a chance and scrounged up the money to attend the camps. (Some put off major purchases, like a new home. Others borrowed. A few even put off attending college. They realized how important it was... and how small the "window of opportunity" was.) Here's some of their comments:

"The best money I ever spent. The training and skills I learned are invaluable. Two thumbs up!" John Heitsley • "Now I have a greater sense of self-confidence, a heightened sense of personal security." Rick Chase • "It was an incredible experience to pick the brains of some of the best guys in the world. The best training camp." Mark Johnson • "My investment was paid back a thousand-fold." Chadd Mars • "The professionalism was outstanding. Their knowledge and experience was clearly demonstrated. Thank you for this opportunity." Tony Tezak • "The individual instruction was very precise and articulate. There was an incredible amount of knowledge and skill imparted to us in a short period of time." Patrick O. Harper • "First class operation." Don Foreman • "I now have a tremendous ability and self-confidence in the use of a firearm, a better understanding of unarmed self-defense, plus an inside look into the exciting world of 'Spec Op' warfare." Richard Sands • "I was skeptical at first. Every expectation I had was by far exceeded. Thanks!" Brady Patrick • "All the instructors were outstanding... Just the confidence of knowing that you're trained by the very best, most knowledgeable soldiers in the world makes this camp mandatory for anyone who's serious about protecting himself and his family!" Briant Tennant

---

From: Howard Ruff Pleasanton, California Friday, 10:30 A.M.

[photo: real U.S. penny attached at the top right of the letter]

Dear Friend,

As you can see, I have attached a real, live U.S. penny to the top of this letter. Why have I done this? Actually, there are two reasons:

#1. I have something very important to tell you and I needed some way to make sure this letter would catch your attention.

#2. And secondly, since what I am writing about concerns money, I thought using a penny as a little "financial eye-catcher" was especially appropriate.

Anyway, here is what it's all about: Listen -- in the next few days, I am (with your permission) going to send you a free copy of an exciting financial report called:

HOW TO MAKE GOOD MONEY DURING INFLATION OR DEFLATION WITH A SINGLE "NO-MAINTENANCE" LOW RISK INVESTMENT!

You don't have to worry anymore about guessing correctly which way the economy is headed. With this amazingly simple 3-way (conservative) investment strategy, you can now quickly position yourself to earn a good profit no matter which direction the economy takes. And you'll have a near-zero potential for ever losing a dime over the next 12 years!

There's nothing complicated about it. It's just based on a little smart planning. BUT -- if a withering inflation hits again like it did in '76-80 (and the Fed thinks it will) you could easily turn $5,000 into $22,400! And even if a severe recession sucks the life from our economy (as many experts now predict) you can still come away with $6,600 -- a very healthy profit in a sick scenario. Most investors will have lost their shirts through deflation, and every dollar you make will actually be worth more than today!

This special report will really open your eyes to ways you can fortify the safety of your financial future. It even tells you how to build-in a "fail-safe" option to insure you never lose your original investment even in a near-Armageddon "worst case" scenario (like the Great Depression).

And the best part is, you can put this investment together overnight, and forget about it until it's time to cash in. It's a near-perfect investment for anyone's conservative, bottom-line portfolio.

But why am I going to send you this report and why am I sending it FREE? The answer is simple: It's a bribe! It's a shameless bribe to get you to try a trial subscription to my highly-regarded financial newsletter called THE RUFF TIMES.

Here's the deal: If you will agree to a trial subscription to THE

RUFF TIMES, I will send you the report I have just described and I will send it to you FREE! And, to make it even better, if you decide to cancel your subscription, at any time within the next year, I will send you an immediate pro rata refund and you still get to keep the free report.

But wait! I want to bribe you even further. You see, once you try it, I am so certain you will want to keep getting THE RUFF TIMES that I have decided to go all out and send you 10 more free reports that you also get to keep even if you decide to cancel your subscription. Here they are:

Free Report #2: The Most Dangerous Popular Investment Now Suckering Unwary Investors

I have only one thing to say to anyone considering the seductive high yields offered by junk bonds or mutual funds involved in the current leveraged buyout (LBO) craze: Stay away!

This is no idle warning. You need to know what's going on; no one is safe. LBOs are drenching U.S. companies in debt at the worst possible time, and the resulting havoc on Wall Street could wreck your business, your investment portfolio and your ability to ride out the coming economic storm. This important report explains how you can protect yourself from the fallout, even as other investors get caught up in this debt-ridden fantasy. You will also learn the secrets of investing for profit during a world-wide debt shakeout.

Free Report #3: The 4 Headline-Grabbing "Financial Goblins" You Should Ignore...And The 6 Imminent Investor Nightmares You Should Truly FEAR In 1989!

Make no mistake -- the world has gotten more and not less dangerous for you and your family's financial security. But what scares you the most may be the wrong things to worry about now. Especially if you've been listening to the liberal press. In fact, unless you find better sources of information, you will probably never see the knockout punch that ultimately levels the economy (and you with it) until it's too late.

This report will lead you in the right direction, away from the crowd, and alert you to these critical situations:

• * For the next year or two, your worst investment may be traditional inflation hedges -- except for a few selected picks (revealed here) to solidify your "core survival holdings."

• * The time to fear inflation is just before it arrives. Not after. And not too early. In fact, the real monster you should prepare for now is deflation, and you need to know how to spot it from a distance.

• * Is the trade deficit as bad for us as the politicos say? Or is it the ballooning federal deficit you should worry about? Or -- as a few savvy

investors suspect -- is a shrinking deficit the REAL cause for alarm?

And more. This report will help you stay focused on the real issues affecting your financial future -- no matter what the "experts" say.

Free Report #4: Is Inflation Coming Back?

Do you realize that 95% of all money is now nothing more than blips on a computer screen at your bank? When inflation does come roaring back, who's going to tell you? How will you know -- since the flood of cash won't come from the government printing presses, but rather will show up only on computer printouts you may never see!

There are still signs to watch for, but only if you understand the NEW rules of the inflation game. You won't have a choice of whether to play or not, but with this report you can stay a precious half-step ahead of the desperate crowd.

Free Report #5: How To Prosper During The Coming Debt Liquidation

This is a report written on an important subject close to my heart. It explains how to profit from something terrible I'm almost sure is going to happen.

Listen: In just 10 short years, we'll be smack up against the next millennium, and chances are you will barely recognize the America around you. But the economic stages will be familiar, and you can make a lot of money between now and then if you use your head.

The stakes will be higher, too -- as our mounting worldwide debt structure reaches the combustion point, you can expect all safety nets to burn up with everything else. Your choice: A wealthy, care-free existence, or near pauperdom, with little or no middle ground as a buffer.

If you value survival and financial security, you'll want to have this report.

Free Report #6: Real Estate: Bomb Or Boon?

Have you ever wanted to make the kind of profits so many others did in the real estate boom of the late '70s? That was "easy money." Even rank amateurs could make mistakes and still turn a big profit.

But the game has changed dramatically, and those same amateurs are now having their heads handed to them. Are there still profits to be made in real estate? Or should you cash in NOW on all property (except your home) and wait for a collapse? One thing is for sure: Someone is going to get caught holding the bag, and someone else is going to get very rich when the dust settles. This report gives you the inside track on when you should make your move.

Free Report #7: How To Earn BIG Profits On "Safe" Income Investments!

Once upon a time, you could always count on "widows and orphans" type

investments to give you a decent income in your retirement. But no more. In fact, the way smart investors judge their income investments now is through something called "Total Return," and unless you're familiar with it you could be passing up exciting profits in some surprising areas. In this report, I offer 3 high-yield "Total Return" recommendations you'd be foolish not to jump on immediately.

Free Report #8: The Shocking Truth Behind Recent U.S. Banking Scandals You Won't See In The Wall Street Journal!

I'm sure you know by now that U.S. banks are in dire trouble. But you may not know just how bad the situation really is. In fact, the list of well-known Big Banks which are barely showing a pulse could give you nightmares. Their assets are shriveling like water on a hot skillet. Management scandals are rampant. And Third World bad loans are evaporating into thin air, leaving behind an ugly stain of red ink.

This is serious for the banks. But it's downright FATAL to your financial security if you get caught in the crunch of failing banks! Here are the 6 minimum checklist points you should make sure your bank can meet...and, if it can't, here is also a list of 6 healthy banks that do!

Free Report #9: Why Are The Japanese Suddenly So Hot On Diamonds?

The Japanese now account for 20% of diamond sales worldwide, and the reason why may surprise you. It surprised me. The next question: Is this a good enough reason to buy diamond stock? And how will future South African sanctions (where most diamonds come from) affect any holdings?

Look here before you leap, no matter how thrilling the profit picture appears.

Free Report #10: Is Your Safe Deposit Box An Open Target For Thieves?

In 1933, federal agents legally busted into "private" safe deposit boxes hunting for newly-illegal gold. Are you facing the same risk today? Don't laugh. Even if the Feds leave you alone, professional thieves may walk into your vault without raising an eyebrow on bank security guards, and walk out with everything. Where can you find a safe place for your most private valuables? Here are 3 alternatives you probably haven't considered.

Free Report #11: 3 Global Time Bombs Ready To Blow NOW That Can Decimate Your Financial Future!

This last report may be the most frightening of all. Any of these media-ignored events could affect your life as much as anything else since World War II.

You won't be able to sidestep these earth-shakers, but you can look for the

opportunities they will uncover, as well as stay clear of the brunt of their force -- IF you keep your wits about you and stay better informed than everyone else (including the liberal media!).

Quite simply, this report is "must" reading!

OK, that's it. Those are the eleven "bribes" I am offering in order to get you to send in for a trial subscription to THE RUFF TIMES which has been called "the newsletter dedicated to helping you build a secure and wealthy future."

And, don't forget: If you decide to cancel your subscription at any time within the next year, I will send you an immediate pro rata refund and you still get to keep the free report.

Why am I offering such a fabulous deal? Well, it's not because I am crazy or overly-charitable. No. It is because I am a hard-nosed advisor and businessman and I feel that THE RUFF TIMES will help you make (and save) so much money that you will want to keep getting it forever once you start to read it.

Here is why: You see, THE RUFF TIMES is published bi-weekly with one goal in mind and that is...

TO GIVE YOU THE "INSIDE TRACK" ON THE SOUNDEST AND SAFEST INVESTMENTS THAT CAN HELP YOU BUILD A SECURE AND WEALTHY NEST EGG!

There's no doubt about it; this is truly the newsletter for investors who want to make the most money in the smartest way possible. Every issue gives you unique little-known information and strategies that you will never read in any other magazine in the entire world. THE RUFF TIMES deals mainly with helping you:

• * Squeeze every penny you can from stubborn bear market trends!

• * Recognize bull market stampedes before they happen and ride them for all they're worth!

• * Know the right time to buy precious metals!

• * See how major political events affect your financial strategies!

• * Spot the best investment opportunities before anyone else does!

PLUS...YOU GET SPECIFIC BUY AND SELL SIGNALS FOR ONE OF THE MOST SUCCESSFUL LONG-RUNNING "REAL TIME" RECOMMENDED PORTFOLIOS IN THE U.S.!

It's true. Listen: Despite Bloody Monday (which decimated nearly every other major financial adviser's portfolio), our 1987 portfolio came out way ahead. Subscribers to THE RUFF TIMES who followed my advice were in the black and ready

to pounce on the opportunities presented in the subsequent bear market rallies.

In fact, our average winning investment pick gained 51% -- while the average loser lost diddly-squat (just 14.4%)! For example:

• * We cashed out Exxon for a profit of 181%!

• * Several of our gold mining stocks soared 141% to 400% and more!

• * Our DeBeers stock shot up 197%!

• * We sold Scudder International at a 130% profit!

• * Our deutschemark and Swiss franc holdings went up over 50%!

• * And our unique Mutual Fund Switch Hitter portfolio was up 17.6% for the year!

That's extraordinary results for a year that ended in shambles economically. But we've recently taken steps to insure that we continue to get such phenomenal results -- by giving subscribers on-the-spot updates over the phone!

Here's how this unique service works: For quick market quotes and current buy/sell signals, you can call (at any time) for our "2-Minute Recorded Update" line. And, if you have a personal question about your own situation, you can call our toll-free "Consulting Center" for fast answers from experienced financial advisors about your position in the stock market, real estate, bonds, taxes or any other money matter.

And you can call us as often as you like!

THOUSANDS OF PEOPLE ARE NOW USING THIS AMAZING COMBINATION OF ADVICE AND SERVICES TO MAKE THEIR FORTUNE!

You know, THE RUFF TIMES has been one of America's largest and most popular investment newsletters for several years. Here's a sample of what people say about my advice:

"Thank you for helping me make $8,678...if I had sat still a little longer and paid better attention to your advice -- instead of $8,678 I could have made $307,000!" -- Gilbert H. Isenberg, Corpus Christi, Texas

"Howard Ruff comes up with more economic insights in a single week than most economists do in a lifetime." -- William Simon, former Secretary of the Treasury

"I calculated the performance of my Ruff portfolio...I started with $65,000 and ended up with $102,000!" -- Lionel Brooks, Austin, Texas

"Thanks to you, our family is far more secure than we could have been otherwise. We own our home, have investment properties, and savings and

investment funds." -- Mrs. Charlie Weiner, Hot Springs, Arkansas

"Howard Ruff has done as much or more than anybody in this country to focus attention on the underlying monetary problems faced not only by the United States, but faced all over the world." -- Senator Phill Gramm, Texas

Do you think that maybe the investors quoted above, the Isenbergs, the Weiners and the Brooks, are out of your league? Believe me, they are not. Maybe their net worth and their lifestyles are different, but that's where it ends. They are probably no smarter than you and they certainly don't work twenty or thirty times harder.

No. The difference is that these investors have discovered where to go to find the answers they need to help them make the kind of money they desire.

And that's where THE RUFF TIMES comes in!

You see, in a 1-year subscription to THE RUFF TIMES, you will receive 156-plus pages of specific information on the hottest and safest investments in America today. Such as:

• * Why bond prices will rise when the Fed pushes interest rates down in a last-ditch effort to keep the inevitable recession from sliding into a depression!

• * How to decide if money market funds are a good investment or simply an alternative to checking accounts!

• * Why silver will soar to $20 by the early 1990's...after first plunging to $5! (Savvy investors will be able to scoop up profits by first selling short, then buying up at rock-bottom prices. But timing is everything!)

• * Why NOW may be the best time in years to buy your dream house -- but only in a few prime areas of the U.S.!

• * Where to buy top-quality rare coins without being ripped off!

• * How you can save as much as $60,000 in interest on a 30-year $70,000 mortgage (yes, you read that right) simply by switching to a new and completely legal easy-payment plan!

• * Little-known secrets that can steer you to tremendous profits in gold... even if bullion drops to $250 an ounce!

• * 6 too-simple-to-pass-up ways to score big on the rising Canadian dollar!

• * How to make a small fortune with little risk in the bear market -- by selling the right stocks short (and how to avoid the asset-shattering mistakes most shorters make)!

• * How to lock into nearly risk-free returns from Japan's new love affair

with gold jewelry!

• * The surprise new gold coin -- still overlooked by most U.S. investors -- that skyrocketed 200% above the price of bullion in under 2 years!

• * Where to find the best alternative to leaving your money in a shaky savings and loan (and you better act fast before the whole S&L industry collapses!)!

• * How to save up to 42% on all your long distance phone calls!

• * Why you'll be able to pick up almost any investment property for a fraction of today's price by 1992!

• * Where to buy "survival caches" of junk silver with no commission costs!

• * 3 "no brainer" ways to profit from hot -- but ignored -- Australian mutual funds!

I could go on and on. What you have just read is only a small sample of the exciting information you will get when you subscribe to THE RUFF TIMES. You need this kind of hard-nosed information. It's not a luxury -- if you truly want to build a secure and wealthy financial base for your family, as fast as possible, then the information I'm offering you is CRUCIAL!

And, please don't forget, when you subscribe to THE RUFF TIMES, you get all 11 of those valuable free reports (mentioned at the beginning of this letter) plus your iron-clad guarantee. What I mean is this: If you are ever dissatisfied with THE RUFF TIMES, for any reason whatsoever, just write and say you want to cancel and you will immediately receive a pro rata refund on unmailed issues

PLUS...YOU STILL GET TO KEEP ALL 11 OF THE FREE REPORTS!

How much is your trial subscription to THE RUFF TIMES? Actually, compared to what you get, it's a lot less than you'd expect. And, when you read the subscription form (it's inside the yellow sheet of paper enclosed with this letter) I am sure you are going to be very pleasantly surprised.

Sincerely,

[signature: Howard Ruff]

Howard Ruff Publisher

P.S. Would you like to have a free (100-year old) silver dollar? If so, just read the enclosed "HOT FLASH" pink sheet and you'll see an extra "bonus reason" why you should give this letter your immediate attention!

IMPORTANT

Recently, a friend of mine revealed some startling news. A certain "undercover man" he knows who works as an agent for a very large coin dealer told him he has discovered a small supply of large and beautiful silver dollars that are more than 100-years old!

These coins are amazing. In spite of their age, many of them still look almost brand new and some people say they are the most beautiful coins in the entire world. In fact, these are the most sought after coins ever minted in the U.S. and they are very rich in history. This is the type of coin that people like Jesse James and Cole Younger were willing to kill for. This is the type of coin that was used in the gambling halls of the Old West. This is the type of coin that traveled across the western plains in Wells Fargo strong boxes. This is the type of coin that was used in the very early days of our country to settle gambling debts and bank transactions.

In other words, these beautiful silver dollars are the most important coins in the entire history of the United States!

And guess what else? Not only has my friend discovered a way to get these coins at dirt-cheap prices, he has also discovered a way you can use them—if you own or run a business (or even if you've considered running one)—to get a lot of new customers (or clients) on an extremely profitable basis. Therefore, I have decided to send one of these coins ABSOLUTELY FREE to all new subscribers who, at this time, are subscribing for 1-year.

By the way, you will also receive, along with your free coin, an extra free bonus report that tells you how to use coins like this to make any business grow like crazy!

Would you like to have one of these historical silver dollars along with the free money-making report that comes with it? If so, please check the appropriate box on the enclosed order form. Thank you.

[order form coupon with decorative borders, two-column layout]

Dear Howard:

[reverse-type box: IMPORTANT! Don't forget to read the "Hot Flash" pink sheet!]

☐ YES, I want to build a secure and wealthy financial base for myself and my family, and I think you're the man who can help me do it. Therefore, I am enclosing $39.00 as payment in full for a six-month (15 issues) trial subscription to The Ruff Times and I understand you will immediately (via first class mail) send all eleven of the free reports mentioned in your letter. I also understand that if I am ever dissatisfied with The Ruff Times for any reason whatsoever, I can simply cancel for an immediate pro rata refund on all issues I have not received. And I get to KEEP all eleven of the valuable free reports.

☐ DOUBLE YES. I can see that The Ruff Times will be of tremendous value to me. Therefore, I have decided to subscribe for 1 year (30 issues) and I am enclosing $69 as payment in full, subject to the following two conditions: (1) I understand I still have the option of cancelling my subscription at any time for an immediate pro rata refund on all issues I have not received. And (2) I also understand that you will immediately send me a genuine 100-year-old silver dollar as mentioned in the "HOT FLASH" pink sheet along with a very special extra free report that tells me where to get real silver dollars at dirt-cheap prices and how to use them to make any business grow like crazy.

P.S. It also doesn't hurt that my subscription may be tax-deductible.

FOR EXTRA FAST SERVICE JUST DIAL 1-800-877-7833

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Call Anytime from 8 AM to 6 PM Monday Through Friday (West Coast Time) Please have Visa or MasterCard Ready

Mail to: The Ruff Times 4457 Willow Rd. #200 Pleasanton, CA 94566

☐ Enclosed is my check for $____________, or, Bill my ☐ Visa ☐ MasterCard Card No.____________________ Exp. Date________ X____________________ (please sign if charging) Name____________________ Address____________________ City____________ State______ Zip______

NOTE: Please make all checks and money orders payable to THE RUFF TIMES. World wide orders accepted in U.S. Dollars only. Subscribers outside of North America please add $24 per year. Thank you.

---

It's the most outrageous unconditional guarantee in golf!

"Give Me Just ONE HOUR Of Your Time... And I Guarantee You Will NEVER Shoot Over 90 Again! And If I'm Wrong... I'll Promptly Send You This Crisp New $50 Bill... No Questions Asked!"

[photo: reproduction of the new $50 bill with "NOT LEGAL TENDER" stamped faintly across its face]

Dear David,

Dr. Michael O'Leary here, president of OHP golf. Have you seen the new fifty dollar bills yet? They're pretty darned amazing, with all the new graphics and the secret hologram thingies and the day-glow fibers. They don't feel like any kind of paper I've ever felt before. Fortunately, they still sound fabulous when you slide them into your wallet.

And I'll send you one to slide into your wallet, a brand new crisp $50 dollar bill, just on your say-so, no hassles, no questions.

All you have to do is trust me for one short measly hour.

Hear me out, now. If you love golf enough to want to shoot great scores every time out, this will be the most important letter you ever read!

Here's the story: Did you know that, according to the PGA...

Less Than 10% Of ALL Golfers Can Consistently Break 100?

It's a fact. And if you're like most golfers, you'll have your stretches where everything goes right and you shoot nice low scores for a few rounds... and then you'll have your longer stretches where you can't buy a break, and you're shooting the summer temperature in Arizona every time out. The noon temperature, when even the lizards are hiding under rocks.

Now, the interesting thing is... it's NOT because you're a "bad golfer". It's because you don't yet know the secrets of consistent low scoring. If you just stay with me for a moment, I'll show you how to never score above 90 again, ever. On ANY course.

You see... there's a TRICK to consistently shooting under 90. Actually, there are 4 tricks, but let's not quibble. The important thing is...

You Can Learn Everything You Need To Know About Shooting Under 90 For The Rest Of Your Days... In Just One Hour!

How can this be? It's actually very simple (though the majority of golfers don't have a clue).

It breaks down like this: When you shoot a bad round, you've made your most critical mistake before you even tee up on the first hole... and you make your next most critical mistake before you play your second shot. By the time you've reached the first green and putted out, your score for the entire round is pretty much pre-determined. And that holds true even if you par the first hole – because the hidden mistakes you're making are sitting there, like a boiling kettle ready to blow the lid off.

Have you ever done well for five, six or more holes... only to straggle into the clubhouse after eighteen with another miserable total score? Of course you have. MOST golfers know this horror. Do you know why this is? It's because... the KEYS to consistently shooting great low scores...

Have Absolutely Zero To Do With Your Ability To Hit Long Drives, Or Even Hit The Green In Regulation!

In short... shooting below 90 has nothing to do with what you thought you needed to do!

That's right. The keys to consistently scoring closer and closer to par are actually ...

• Knowing the secret of what exactly to do with your putter before you ever make a real putt...

• Knowing the secret behind leaving ONE SPECIFIC CLUB out of your bag before you tee off...

• Knowing the secret of re-adjusting the number of strokes you're allowed for your personal "beat the course" par on each hole...

• And... knowing the secret of "seeing" the course in a way that will help you stay out of trouble, keep you in the fairway, and never lose an unnecessary stroke.

Never.

Once you know these simple, basic, easy-to-learn secrets... your score will automatically start dropping faster than the price of premium during a gas war.

Even better... you'll suddenly realize you're actually enjoying each round more, because you'll be more relaxed, and you'll look forward to each new shot, knowing you're going to shoot a nice low score for the day no matter what.

You'll be the kind of golfer you've always dreamed of being.

But you're not dreaming! Golf really can become a sheer joy, every single time out. No more frustration... no more inconsistency... no more "nightmare" holes... no more long days where your buddies won't even look you in the eyes (or even dare brush against you, for fear of catching whatever curse you're suffering from themselves).

Best of all... if, after you've given me your hour to learn these secrets... if you DO go out and shoot above 90... then...

I Will Promptly Send You That Crisp New $50 Dollar Bill... No Questions Asked!

Here's why I'm putting so much money on the line: There's only one man I would ever put this kind of "serious cash" guarantee behind. That's Darrell Klassen... golf's most amazing "Teacher Of Secrets". He's the guy who just enrages all the hoity-toity PGA professional teachers by insisting that "golf really IS an EASY game!" (I've seen a course pro actually sputter and blush when Darrell's name was mentioned. This is a guy who insists you learn the "official" PGA swing... but can't explain why Darrell slaughters him every time they play head-to-head for money!)

You see... while the PGA is busy teaching everyone to be afraid of the golf course, and forcing people to learn impossibly-difficult swings (so you will keep buying ever-more expensive equipment in the vain hope of improving)... Darrell just keeps spending an hour or so with people and then sending them out to the course, where...

They Immediately And Consistently Beat The Pants Off Everyone Else!

It's an amazing fact... but while the vast majority of PGA-taught golfers will NEVER consistently break even 100... almost every one of Darrell's private students consistently breaks 90!

Don't miss this point, now. Let me repeat: While 90% of PGA-taught golfers NEVER consistently shoot under 100...

Nearly Every Single One Of Darrell's Students – Young, Old, Beginner And Veteran – Are Shooting Impressive Below-90 Scores... Every Time!

Now, you know that can't be an accident.

However... it IS the reason I'm able to confidently put my money behind his teachings. A crisp new $50 dollar bill, from my wallet to yours, if you prove me wrong. I'll take that risk.

Here's the deal: We took Darrell out to a gorgeous private course out in California (where I bribed the marshals to allow us to film for an afternoon) and videotaped him giving his entire "Shoot Below 90 Every Time" secret lesson. You know... despite the lesson being less than an hour total... it really is still a secret of a lifetime for most golfers. Why? Because Darrell insists on being lazy – the ONLY way to learn this lesson directly from him (until now) has been to go to his little out-of-way town in the central valley, to his local course, and learn it on his time. And though several hundred happy golfers have made this pilgrimage (and are now shooting breathtakingly-low scores every time out), it's still the best-kept secret in golf.

Anyway, let's get back to YOU.

So, we have this videotape, which has the 4 secrets all laid out for you, simply and in the easiest possible way to "get". (Darrell never spends more than an hour with any student on this. It's too simple not to completely and utterly understand immediately.)

All you need to do is call my office at 1-800-316-5871 and tell whoever answers you want "Darrell's Shoot Below 90" video. It's just $39 (which is $81 less than he charges for personal instruction). You can use your credit card. Or, if you'd rather not talk to anyone, just fill out and fax the enclosed "Fax Order Page". Or, if you'd rather pay by check or money order, just fill out and mail the enclosed "Priority Order Card" – you can use the postage-paid envelope.

No matter what you choose, your tape will be rushed to you by return mail.

Now, here's how your guarantee works: Watch the tape. Let the lesson "sink in" as you watch. You can do a little practice, if you like (it's not required). For most golfers, the season is pretty much over this month because most courses are closed. Doesn't matter.

Use what you've learned when you do go out the next time. You aren't under any time limit at all. (Darrell says learning this now, before the actual next spring season starts, will allow these secrets to "cook" inside you... so when you do use them, they will just be there, like "magic", all settled and cozy in your mind. He says this is really the best way to do it.)

Now, if you DON'T break 90... on the very next round of golf you shoot, or on any round after that... then I insist you send the tape back to me (with your scorecard)... and I will rush you (by return mail) this crisp new $50 dollar bill. No time limit – take all season (and the next one, too, if you like) to make sure your lesson "sticks".

That means, if you choose... your entire "secret" lesson will be FREE... and... you'll get a nice CASH BONUS on top. Right out of my wallet... and into yours.

You don't risk a penny giving this amazing breakthrough in low scoring a "look see" yourself... not a penny. In fact, because I'm sending you $50 back, you're actually coming out way ahead. Just for trusting me a little bit... and taking one measly hour to see what all the fuss is about.

There's just one "catch": You have to order right now. Like I said, Darrell usually gets five times as much as you're paying for this "secret" lesson, and he's only willing to allow this deal to exist at all if I follow these two iron-clad requests:

(1) I never let his new personal-teaching clients know about this deal... and...

(2) I only allow this offer to be on the table for 11 days.

Therefore, this is a secret mailing that's only going out to my "hot list" of favorite customers. Please don't tell any of your friends about it, okay? And... in just 11 short days, the deal is off.

So you must call or write (or fax) right NOW, while this letter is still hot in your hands. It's a great deal – you risk absolutely nothing, you can learn the lesson for FREE if you so choose... and I'll send you a crisp new $50 dollar bill if you don't break 90 on your next round.

I've told my staff to expect your call.

Sincerely,

[signature: Michael O'Leary]

Dr. Michael O'Leary

P.S. I thought you might want to see what some of those lucky personal students of Darrell's have to say about this lesson. I've attached a sample.