HIGHLANDER CLUB
“Great fortunes are made through Fellowship, Knowledge and an Abundance of Opportunities.”
AUGUST 2003
Volume 8 — Issue 8
Get in on the Hottest
New Business Ideas
3 Secrets You Must Know Before
You Buy a Franchise ...............1
Save Money Without
Budgeting
Helpful Saving Strategies
for Couples ..............................1
Buying Your Own Home is
an Excellent Investment—
Even Without Inflation
Take Advantage of Low Interest
Rates and Increase Your
Net Worth ..............................2
Make Some Extra Cash Fast
With Surveys
You Could Be Getting
Paid for Your Opinions ...........2
Expert’s Corner
How You Can Get
$1,000 Worth of
Advertising for a Mere $60 ....3
A 15-Point Checklist
for Your Ad ............................3
18 Marketing Assumptions
That Just Aren't True .............5
A Special Message from the
Wealth Liberty Institute:
A Highlander Club Affiliate
that Will Show You Even More
Ways to Make Money! ...........6
Exercise Your Most Valuable
Business Tool
Your Eyesight is an Asset
worth Protecting .....................7
Highlander Club
Opportunities Section........7
Get in on the Hottest
New Business Ideas
3 Secrets You Must Know Before
You Buy a Franchise
You don’t have to fork out huge fees to have your own franchise. Instead, aim
for a low-priced business newcomer with potential to become the next
McDonald’s. Your best bet is a chain that’s growing modestly in one region,
learning its way before pushing for international expansion. Look for a busi-
ness that is established enough to help you avoid the hassle of building up a
business reputation or clientele from scratch.
The Secrets You Know
• The lower the percentage of outlets the company operates, the more atten-
tion it will pay to franchises. Look for extensive management and employ-
ee training. A reputable franchiser will aim to make money from royalties
rather than from franchise fees.
• The royalty arrangement must be reasonable. Typically, you’ll pay eight
percent of gross sales, plus another two percent to four percent as an
continues on page 2
Save Money Without Budgeting
Helpful Saving Strategies for Couples
Everyone knows the importance of setting goals to realizing his or her
dreams. Of course, when you’re married or living common-law, you shouldn’t
set your goals alone. If you have a significant other, you should always talk
openly about your finances and set your goals and dreams together. You
should plan for vacations, major purchases, and retirement as a team.
The easiest way to save your money is based on something I like to call the
“Cappuccino Method.” Spending $5.00 a day on a cappuccino and cookie five
times a week really adds up. If you saved that money instead and put it into your
retirement savings plan, then you would literally have hundreds of thousands of
dollars by the time you retire. If each partner gave up $10.00 in spending per
day ($20.00 a day in total), the couple would save a whopping $400 each month.
Over 35 years at a compound interest rate of 10%, they would have a stagger-
ing $1,370,357 in their retirement plan. Couldn’t you use an extra $1.4 million
dollars when you retire? That’s not bad considering all you had to do was give
up your cookie and cappuccino.
Saving is a matter of prioritizing and changing your spending habits.
That’s the only way to build savings. The more financial confidence you have,
the better you will do in the long term.
continues on page 8
August 2003 • Volume 8 - Issue 8
CHIEF COUNCIL
Michael Newman Nina Walters
Chairman Executive Director
EDITORIAL
Pam Clavir Jeffrey Dobkin
Editor Editor
Moving? Missed an issue? Please let us
know within 90 days of moving or if you
have not received an issue. After this time
period, missed issues can be purchased for
US$10 each including shipping and han-
dling. Write to: Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm
Beach, FL 33401-6163, USA. Or call
between 9am to 5pm EST; (905) 760-9929
x300; Fax (905) 760-2809.
Contact Us
If you have a question or comment about
the monthly memorandum, write to the
Editor in care of Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm
Beach, FL 33401- 6163, USA, Fax (905)
760-2809. Subscription rate for the
Highlander Club newsletter is $80 per year.
If you have a question about your sub-
scription, or want to renew your subscrip-
tion, change your address, or order a
Highlander Club Special Report, write to
Member Services, 777 S. Flagler Drive,
Ste. 800W, West Palm Beach, FL 33401-
6163, USA. Or call between 9am to 5pm
EST; (905) 760-9929 x300; Fax (905) 760-
2809.
© 2003 by Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm
Beach, FL 33401-6163, USA. All rights
reserved. The Club is not promising or
guaranteeing that you will become wealthy
because of the information in this newslet-
ter or our special reports and programs.
There is no guarantee of future profits.
Copying any of the Club’s published infor-
mation is strictly prohibited. The ideas
expressed herein are the opinions of
Highlander Club only. That said, we believe
you’ll discover vital money secrets and
wealth angles not available anywhere else.
The Executive Staff, Research
Department and the Editors of Highlander
Club are proud of the reputation we’ve
built since our inception in 1991. Simply,
we believe the advice presented to you in
our published resources and seminars is
the best and most useful available to you,
the global entrepreneur.
Get in on the Hottest New Business Ideas
continued from page 1
advertising fee in return. Look for territorial guarantees. You don’t want
another franchise opening up across the street from you.
• Before you put up any money, ask for the names of at least 10 established
franchisees. Talk with them to find out what kind of support they’ve
received from the franchiser and what their earnings have been.
Several organizations based in the U.S. will help you find a franchise no
matter where in the world you live:
Franchise Info Mall, 22527 Crenshaw Blvd., Ste. 208, Torrance, CA
90505. Phone: 877-Info-Mall Fax: 310-326-7666 web site: www.franchisein-
fomall.com
International Franchise Association, 1350 New York Avenue, N.W., Ste.
900, Washington DC 20005-4709. Phone 1-202-628-8000 Fax: 1-202-628-
0812 web site: www.franchise.org. Or call and ask for a publication called
“Franchise Opportunities Guide” ($23.00 including shipping and handling
or $27.50 foreign delivery). ■
Buying Your Own Home is an Excellent
Investment— Even Without Inflation
Mortgage interest rates are at their lowest point in 40 years’ time, yet some
Highlander Club members have expressed concern regarding the question of
home ownership in these difficult times. Members have been wondering if
low inflation, or even deflation (a word that has been bouncing in the head-
lines in recent weeks), would still make home ownership a wise investment.
Our answer is a firm “yes.” Even in a low-inflation world, few investments can
match the returns on a home purchase. While your initial investment may
represent only five or 10% of the total purchase price, remember that appre-
ciation accumulates on 100% value of your home.
If house prices increase in line with a two percent general inflation rate,
homeowners will have a $50,000 greater net worth after 20 years than
renters investing in CDs or on the stock market and a $167,000 greater net
worth after 30 years.
Even if house prices do not rise at all, after 30 years the owner’s net
worth is still $75,000 greater than the renter’s assets. Once a mortgage is
paid off, say after 25 years (for the sake of argument), homeowners’ shelter
costs fall to less than one-third of renters’ shelter costs.
As a homeowner, you can reinvest the difference for even greater finan-
cial gain. Beyond the financial benefits, home ownership has additional
advantages over renting, which include security of tenure, control of one’s
living environment, pride of ownership, and access to an asset on which to
secure a line of credit. ■
Make Some Extra Cash Fast With
Surveys
Surveysavvy.com will pay you cash when you participate in surveys.
Certainly the cash helps, but don’t forget that you will also have the oppor-
tunity to voice your opinion about a variety of products. If you go a step far-
ther and refer your friends, you will get paid not only for their participation,
but also for the participation of their friends.
Simply log on to: http://www.surveysavvy.com/?
The site comes complete with an earnings calculator. Check into it!
You’ll see that if you sign up 10 of your friends, who then refer 10 of their
friends, you will put an extra $738 in your pocket by completing only six
surveys over 12 months. Expressing your opinion and getting paid for it.
Now there’s a great way to earn some extra easy money. ■
2

Expert’s Corner
Jeffrey Dobkin is an original Highlander
Board Member. Well liked because of his
funny, yet information-rich writing and
speaking presentations, he has written
two books on direct marketing, plus an awesome
course on classified ads and direct mail. His
articles on marketing have appeared in more than
100 magazines.
How You Can Get $1,000 Worth of
Advertising for a Mere $60
Sixty dollars doesn’t go a long way in buying advertising
space. Nevertheless, if you spend it creatively, you can get
over ten times that value in newspaper or magazine line-
age. It’s easy if you know how.
Here’s the ticket: You’re familiar with press releases,
right? A press release is a single page of information about
your product or service that is sent to a magazine or a
newspaper. If selected to be published, it’s printed as a
short article and appears as if the magazine or newspaper
wrote it. There is no charge for having your press release
published by a magazine or newspaper. So stick around—
find out how you can have your press release published
(and your chances are pretty good) even if you don’t think
you can put a sentence together.
Naturally, there are certain criteria for having your
press release published, no matter who writes it:
First, it can’t sound like an ad for your product or serv-
ice. Nope, no adjectives. If it sounds like an ad, it’ll be
tossed out. While most editors will make minor correc-
tions so a press release will fit their editorial style, few to
none will rewrite your release just to get it published.
Editors get their choice of press releases every day, and
the ones that catch their eye for publishing are the ones
closest to their exact needs—requiring the least amount of
editing and rewriting. Most editors know a good thing
when they see it.
Second, your press release must conform to the stan-
dard layout style of press releases. This tells the editor that
you know what you’re doing in media relations and shows
your everyday business practices follow suit. So, when
your release is published, editors will be comfortable with
the knowledge their readers will get good literature and—
if they order—a good product. They can assume their
readers will deal with a professional company on a profes-
sional level. If your press release lands on their desk with
lots of typos and misspellings, it’ll land in the trash next.
Correct layout style means a big header stating “Press
Release” at the top, followed by a contact name and
phone number, so editors can call for more information.
Next, it needs a kill date after which the press release
shouldn’t run. If there is no kill date, state “No kill date,”
so it doesn’t look like you forgot it. Also, don’t forget to
include a 5” x 7” black-and-white photo for increased
interest, better readership, and more credibility.
The headline of your release is centered and in bold.
3
August 2003 • Volume 8 - Issue 8
Write your headline with care; it’s this line that will make
or break your release. If it’s a great headline, people will
read it—and the rest of the release. If it’s a poor headline,
people will read it—and the other articles in the maga-
zine. It’s your choice. My recommendation? The Jeff
Dobkin 100-to-one rule: Write 100 headlines, then go
back and pick your very best one. The body of the release
follows. Double space, allowing an editor to make correc-
tions easily between the lines. Leave room around the
margins, too. Make it look easy to read, even if it isn’t. Use
short, descriptive sentences without fluff or excess ver-
biage. Use a pyramid style of writing—the most important
parts in the first paragraph or two—because editors know
to cut from the bottom. Terse, concise writing just like a
reporter from a newspaper would write works best.
Suppose you aren’t a strong writer, or you’re too busy
with other activities to write your own release. What do
you do? Call the local newspaper and ask to speak with a
reporter. Now, I don’t know about your area, but newspa-
per reporters here in Philadelphia don’t usually make all
the money they’d like. When you get a reporter on the
phone, ask if he/she knows of any reporters who’d like an
additional easy writing assignment and would consider
writing a press release—for pay. Chances are better than
good that the same reporter you’re speaking with will go
for the chance at easy money. If not, he/she will recom-
mend an associate on staff. Go over your product infor-
mation with the reporter, and add enough of a benefit
summary so he/she can write a quality release. Ask for rec-
ommendations of several different angles and what they
think their very best pitch would be. Then ask what the
hourly rate is (usually about $20/hour). Your release
should take about two to three hours of writing time, if
that—and should cost around $60.
Now for the best part. Your reporter can submit your
release to the editor for you. Think about it. The paper’s
own reporter writes a press release—in the newspaper’s
exact style of writing—and then hands it to the editor with
his own personal recommendation. Nice package.
In other words, without writing a sentence, you get the
release written then handed over to the editor on a silver
platter by a trusted staff member. Your chances of getting
it published are…You guessed it. When it’s printed, you
just received $1,000 worth of advertising for $60. As
promised. ■
A 15-Point Checklist for Your Ad
1. Does it follow the “Five-Second Rule”?
Can readers immediately figure out what you’re sell-
ing? You really have only three seconds—because it
takes two seconds to turn the page. Busy readers won’t
struggle to figure out your pitch. The Rule: You have
a total of five seconds to show them—clearly—what
you’re selling.
2. Does the headline make people read the rest
of the ad?
The sole purpose of the headline is to drive the read-
er to read the rest of the ad. This is not the place for
a sales pitch; this is the place for creating a strong
 August 2003 • Volume 8 - Issue 8

attention-getting, interest-arousing, kick-you-in-the-
butt, you-just-gotta-read-the-rest lead-in. Use the Jeff
Dobkin 100-to-one Rule: Write 100 headlines, go
back and pick out your best one!
3. Does it have an interest-arousing subhead?
All ads—space permitting—should have a subhead.
Subheads, in slightly-smaller-than-headline-size type,
are the transition between the headline and the body
copy. This line also doesn’t sell the product—its only
function is to further interest, hook the reader, and
drive him to the body copy.
4. Make sure the first line of the body copy
doesn’t sell anything.
The purpose of this line is still to keep the reader
reading—that’s its only function. You haven’t really
hooked the reader until he passes this line, after
which he has committed himself to read the rest of
the ad—IF it’s well written.
5. Do you make a smooth transition?
The transition we’re talking about is from the interest-
arousing headline to the subhead to the first line of
the body copy, which introduces the selling copy in
the body of the ad? This is the last crucial step in mak-
ing sure your reader continues to read the rest of the
ad. In the body copy, you start to sell the response
you’d like—usually to make the phone ring.
6. Is your offer clear?
Along with knowing what your product is, if you are
selling directly from the ad make sure your readers
know how much the product is and how and where
they can purchase it. Don’t forget—let them know if
it’s available directly from you—and give a phone
number for inquiries.
7. Does your ad make readers want to buy your
product?
Does your copy make it sound like it’s the best prod-
uct in the world—one that will
get the job done promptly—at
the right price? You’ve got to make your product
sound good enough to stop readers from going over
to Sears or Wal-Mart and buying it there. It’s a tough
assignment for a few scribbles on a sheet of paper.
8. Does it make the reader want to rush to the
phone to place an order or call for more info?
No, it’s not enough to just say, “it’s for sale!” You’ve
got to coerce the reader into action. Remember,
you’re working against reader inertia: A body at rest
tends to stay at rest.
9. Does your ad show immediate benefits to
the reader?
A product has features, but the benefits the reader
gets from the features propel him into buying the
product. No one buys a fishing pole because it’s made
out of fiberglass—that’s a feature. People buy fishing
poles to catch more fish—a benefit. See?
10. If you have room, can you show several
benefits in a bulleted list?
Bulleted lists are easy to see and encourage fly-by
readership. I like to offer three or four of our biggest
benefits in this bulleted form.
11. Did you draft your entire ad to fulfill your
ad objective?
If your ad works perfectly as planned, what do you
want people to do? If your objective is lead genera-
tion, your ad will ask the reader to call (or write or
come in) and inquire. This ad doesn’t sell the prod-
uct; instead, it sells the response you are requesting.
In this case, you say, “Just call and get…” Offer a free
informational booklet relating to your product or
service. Or, “Send for our FREE…” gives readers a
reason to call. This is a two-step selling approach: The
reader calls and gets your hard hitting sales package,
then purchases the product. With this two-step sale in
mind, the entire ad is drafted around generating a
call. Ninety percent of the ads I create use this two-
step sales formula.

een
n AAwwaayy If your objective is a direct sale—a one-step sell-
eG G ii v
v ing procedure that sells a product right from the
Wee’’vve
W 000 The requests for page—it’s one of the toughest sales assignments you

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can give any copywriter. It’s very difficult. That said, it
can be done with a longer-copy ad. With this direct-
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igghh llaannddeerr anntt ttoo We are chomping at sell in mind, the entire ad must be drafted around
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ttoo H ss.. W W ee wwa the bit to give getting a call and selling the product. It’s very difficult
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w aayy mm money away, but you
make the phone ring with an inquiry—then YOU sell
ggiivvee haven’t been asking for it.
the product on the phone when people call.
While I am glad that fellow
members are reaping the rewards 12. Is your guarantee visible?
of their successful business, I am also sure that If you are selling your product directly from the page,
there are some members who could still use some make sure your guarantee stands out. I put most guar-
antees in a small box with a graphic flourish on the
start-up cash for their business opportunities. If you top.
have a great business idea that could use $500 or
more in start-up money, write us a letter with spe- 13. Is your phone number apparent from three
cific contact information and a brief, yet detailed, feet away?
If the objective is to have the reader call—and it is in
description of your idea. We would love to send 95% of the ads I create for my clients—I make the
you the money to help you on your way to millions! phone number easy to see and readily apparent to

4

someone standing looking at the magazine while it is
laying on a desk.
14. Is your logo small enough?
That’s right, small enough. Unless you run ads in just
about every issue of the publication, your logo does-
n’t need to be large—it’s not a selling feature, and it
won’t increase your sales or inquiries. If you do run
ads consistently, it’s okay to bump it up a notch or
two, to about the same size as your phone number.
Any bigger—while it may massage your ego—just
wastes valuable selling space.
15. If it’s a direct selling ad, do you have a dashed
box around your order coupon?
Why keep readers guessing? Anyone who sees a
dashed box knows that they can order right from the
ad. Some readers need less convincing than others—
when they’re ready to order, a dashed box lets them
know right where to go. A box also lets browsing
readers know that there is an offer and a price to be
found in the ad—and this fact will attract even more
readers, especially mail order shoppers. These good
folks like to order through the mail. Encourage them
from their first glance at your ad with this striking
graphic. ■
18 Marketing Assumptions That Just
Aren’t True
1. Customers are interested in what I’m doing.
They don’t care what you’re doing; they’re only inter-
ested in what you’re doing for them. I’ve seen a lot of
newsletters wrecked by self-serving articles that just
talk about the company, not what the company is
doing for the customer.
2. They’re interested in what I have to say.
They’re only interested in what’s in it for them. If
you’re not saying anything about them, I guarantee
they’re less interested in what you’re saying and more
interested in what’s on TV. My recipients always read
my direct mail packages. If you’re lucky, five people in
100 read your direct mail package, and zero to two
people order. Two percent? Hey, if you hit this num-
ber consistently, consider it a major success!
3. “We can educate the market.”
Sure you can—if you’re Bill Gates. But, if you don’t
have the funding that he has - you can’t. Don’t even
try. Don’t even think about trying. Educating even just
a small niche market is tough enough for the domi-
nant players in that particular field. Educating con-
sumers, even for the biggest companies in the world,
still requires time, money, effort, money, and time.
And, did I mention money? If your product launch
starts out with the phrase, “We can educate the mar-
ket,” forget it.
4. It’s a good deal for them.
Even if it is, they won’t know it. Even when you tell
them, which has a cost in itself, they may not believe
it. With all the other firms saying what a great deal
their company is offering, YOUR customers may not
5
August 2003 • Volume 8 - Issue 8
realize just how good a deal your offer really is. Then,
if it’s too good, you’ll lose your element of trust and
people will be scared to buy from you.
5. Sure they’ll sell—Ours are the best in
the world.
They may be, but you’ll have to get in line—in behind
all the other people who are saying, “Ours are the
best in the world.” You’ll have to convince everyone—
one person at a time. Take cookies, for example;
everyone says his/hers are the best. If your cookies are
really the best, your pitch will sound exactly like
everyone else’s. It’s going to be tough to convince
your market and sending everybody a sample is too
expensive.
6. The market is $57 million… If we get 2%
of that.
This way of determining your marketing success—by
seeing how large the total market is—has no bearing
on what percentage of the market you will actually
acquire. The size of the market is completely
autonomous of any percentage of your own market
share or any of your own sales figures. If it was rele-
vant, firms would only market products to the larger
market classifications. If the percentage formula
worked, everyone would be wildly successful. It’s kind
of like thinking, “I’ll just have to stop that one wheel,
and the rest of the car will stop, too.” It just doesn’t
work.
7. Build a better mousetrap, and the world will
beat a path to your door.
If you believe this, you’ve been reading too many
comic books. Only invention submission firms will
beat a path to your door. Look up mousetraps on the
Web or at the IBM patent site and see how many are
incredible designs, then see how many names you rec-
ognize.
8. Of course we’ll succeed, we’re the best in
the business.
Unfortunately your success is not determined by the
quality of your work—it’s determined by the quality of
your marketing.
Now is your chance to inspire Highlander Club
members, and get help for yourself too. Have you
reached success? Did the Highlander Club help you get
there? No matter how you reached your goals, we want
to hear your story and share it with other Club members
seeking inspiration. Please also send us your photos and
logos on disk in JPG format to go along with your story.
We’ll ship you out a free gift to show our appreciation. In
addition, if you have a legitimate business opportunity
you’d like to share with Highlander Club Members, then
let us know, and we’ll help you by publishing it in our
Highlander Club Opportunities Section.
Send your material to: the Editor in care of Highlander
Club, 777 S. Flagler Drive, Ste. 800W, West Palm Beach,
FL 33401-6163, USA, Fax (905) 760-2809.
August 2003 • Volume 8 - Issue 8
9. You will succeed if your MARKETING is the best
in the business.
In direct mail, you can succeed if your copy is the best
in the business—people buy your product directly
from your copy—without ever seeing the product.
You can be the best architect in the world and still go
out of business because you don’t know how to market
your services: to make the phone ring and bring in
customers. While your good work may have a hand at
your eventual success as you generate referrals, your
initial success is directly determined by your market-
ing. Word-of-mouth may be the best form of advertis-
ing, but it’s slow. Can you afford to wait?
10. This was a catastrophe – we’re ruined!
Okay, so something bad happened. A few industry
people heard about it for a brief instant. I assure you
it wasn’t as big a news story to them as it was to you.
By now, they’ve forgotten. Life goes on. Don’t try to
apologize in every ad, every newsletter, and in every
phone call. Just start focusing on the new and better
products, services, and benefits you’re offering. Heck,
it’s not like you’re the President and you got caught
with an intern. Other people will have forgotten your
faux pas by the time you’ve finished this article. I rec-
ommend you do the same.
11. I’ll declare bankruptcy and that will be the end
of my troubles.
If your business is doing lousy and you think that’s a
headache, declaring bankruptcy is the beginning of a
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6
migraine—a bad one. I recommend you: 1. Call all
your vendors and tell them of your payoff schedule,
even if it’s just $5 a week. 2. Stick to the schedule. 3.
If you need to go bankrupt, they’ll file for you. Either
way, no one said you had to be doing what you’re
doing for the rest of your life—start thinking about
what you’d really like to do.
12. We’ll create an “Image” with this ad.
Unless you run a full-page ad every month, your
image ad probably won’t work. No offense, but unless
you have really deep pockets—forget image: Try mak-
ing money with your ads. Like advertising in the
direct response industry, your ads should have a direct
equivalent of “this ad cost us this much money, and
we made this much money in return.” Then, look to
see if the last number is bigger than the first number.
If it is, repeat the ad. If it isn’t, I can pretty much guar-
antee it isn’t helping your “image.”
13. It takes three insertions for consumers to
respond to your ad.
If your first ad sinks like a stone the first time, I’ve got
news for you: The second time you place the ad in the
same magazine or newspaper—and yes, the third
time—it will sink like a stone also. Never contract for
more than one ad placement in any magazine or
paper until you test it first.
14. We’ll just get this one out on the market, then
we’ll make money on the next one.
If you don’t make any money on this one, there won’t
be a next one. It is the objective of business not to
manufacture products, but to make a profit. If you just
need experience, work for someone else and, at least,
get paid for it.
15. A patent will protect me.
A patent doesn’t protect you—a patent only gives you
the right to protect yourself. Big difference. A patent
is only as strong as its claims. Defense of a patent is
expensive. For the most part, design patents are
worthless. Remember, there are people and firms out
there that are specialists in “Patent Circumvention.”
Before laying out $5,000 for a patent, better think it
through.
16. It will be easy to market, everyone needs one.
I’ve often thought the hardest product to market is a
telephone. If everyone needs one, you must now
reach everyone to alert them of your product avail-
ability. There is a cost associated with reaching each
person, known in the magazine industry as “CPM” or
cost to reach 1,000 people. There is a huge cost to
reach everyone—and alert them of the availability of
your products. There are still more costs in showing
them your products and describing your benefits. On
a small budget, this can be tough. I’d rather market a
product to a specific industry.
17. They couldn’t print it if it wasn’t true.
Don’t believe everything you read. There are only
17 assumptions in this article. Always check for
yourself. ■
 August 2003 • Volume 8 - Issue 8

Exercise Your Most Valuable Business Tool

Your Eyesight is an Asset Worth Protecting
By Stephen Douglas

K
eeping your eyes open with toothpicks may work well on cartoons, but it’s not practical in the real
world where eyestrain has become as common as yawning. Many people have great difficulty keeping
their eyes open when they sit in front of their computer for hours on end. Like any other muscle in
your body, your eyes need exercise to obtain optimum performance. You’re not alone if you’ve been experi-
encing watery eyes, eyelid twitches, or a burning sensation when you close your eyes. Now’s the time to get
your eyes in shape!
An interesting form of eye exercise, “orthoptics,” can relax, strengthen, and condition your eyes. By per-
forming these exercises regularly, you’ll help prevent eyestrain, and you’ll be better able to focus on the work
in front of you.
Eye rolls: Close your eyes. Slowly move your eyes in a complete circle. Repeat three times.
Changing focus: Hold a page of print as close to your eyes as possible without the print becoming blurred.
Focus for 15 seconds then look away at least 10 feet and focus on something else for 15 seconds. Repeat five
times. This process will help build eye stamina, so you don’t get as tired while working on objects or pages
that are up close.
“Bull’s Eyes”: Extend your arm forward while hold-
ing a pen. Slowly bring the pen towards your nose. Stephen Douglas is an award-
Keep your eyes focused on the pen. The idea is to winning journalist and health
move the pen to the tip of your nose before you see a specialist. He has contributed
double image. Repeat twice. to national magazines and
written books on health,
Eye-healthy supplements include bilberry, beta- nutrition, families, and children.
carotene, and lutein.

Highlander Club
Opportunities Section
Timothy J. Stahl is a Highlander Club member with a business
opportunity to present to other Highlander members. Mr. Stahl
is with Creative Investment Group in Horsham, Pennsylvania, a
firm specializing in buying seller-financed mortgages. His firm
helps to close deals that otherwise couldn’t be completed. Mr.
Stahl says he is “looking for people who want to give back and
help the freedom seekers in our pursuit towards financial and
personal independence.” Contact him by phone at 215-674-
8509 or by fax at 215-674-4010. Or, you can e-mail him at
tjsds@yahoo.com.
* * * * * * * * *
A Highlander Club member has a business opportunity to share
with other members. Brent H. Stephens writes:
Free Advertising!
ListFire makes it possible for you to promote any product, serv-
ice, or business opportunity without spending a penny!
Potentially, you can advertise to millions of people! ListFire helps
you build an e-mail list rapidly. Every week, at no cost, you can
send e-mail to everyone on your list without spamming. ListFire
membership and a referral web site are FREE. Please visit
www.ListFire.net/13192 for more information or to join.
* * * * * * * * *
Dellie Ramos is a Highlander Club member wishing to share the
“Secret Code” of the Bible with other members. Ramos has
printed a set of 4 books on Biblical Christianity that he is says
will help you “unlock the promises of God for your life as writ-
ten in the Scriptures!” Ramos says there is no group to join, no
ongoing fees, no place to go but the secrecy of your room, and
no person to talk to but God! To order your Biblical Christianity
books (Series 1 to 4), send U.S. $20 along with your Name and
Address to: Ramos, Biblical Christianity, P.O. Box 5562,
Glendale Heights, IL 60139-5562 Books are mailed within one
week of receipt. To offset the cost of printing these books, Ramos
is also seeking a $10,000 loan, on which he promises to pay a
“reasonable amount of interest.” You may contact him at the
above address.
* * * * * * * * *
A Highlander Club member, Dr. Justo Pabón Delgado, is a long-
time inventor who is seeking sales assistance with any of his
new and useful inventions. Ranging from unique musical
instruments and a habit-breaking soft drink to a cable radio
communication system and uniquely operated bicycle, Dr.
Delgado’s numerous inventions are all products of his own
design and creativity. Mainly interested in selling his attach-
ment for converting a reciprocating power tool into a power
driven hack saw, he is ready to pay you half the selling price of
any of his inventions that you may sell. To inquire, call Dr.
Justo Pabón Delgado at his Georgia number at 404-272-7505,
or 404-457-9859 and leave a message.
* * * * * * * * *

7
August 2003 • Volume 8 - Issue 8
Highlander Club member, Robert Walsh, is a former variety
store owner who now owns a small import company.
Currently, he is seeking investors who can back him in the
purchase of a Party Store that has been in business for 50
years. The business is located in Central California, and does
approximately $450,000 annually. He seeks one or two
investors to share in the company profits. Contact Robert
Walsh, Pacific Wig Company Incorporated, 22275 Powhattan
Road, Unit 6, Apple Valley, CA 92308 1-800-352-2904 –
Business Hours are 8:00 a.m. to 2:00 p.m. Pacific Standard
Time.
* * * * * * * * *
Another Highlander Club member is seeking to help other
Highlander Club members by providing a much-needed serv-
ice. Many people prefer an immediate lump-sum payment
instead of waiting years to collect their money. Thus, Club
Member Robert Cutter of Morgan Financial is in the business
of purchasing cash-streams from people who collect periodic
income checks from real estate notes, land contracts, trust
deeds, seller-carry back mortgages, annuities, and insurance
payouts. Mr. Cutter’s company also offers partial purchase pro-
grams where you can sell a portion of your payment and not
the entire note. You can use your bulk cash for other pressing
matters. For a free, no obligation evaluation of your note,
contact Robert Cutter of Morgan Financial in Hollywood,
Florida by phone at 954-926-3637 or by fax 954-920-2899.
* * * * * * * * *
Highlander Club Member Helen Robinson has worked in var-
ious areas of financing for years, and she is asking other
Highlander members to phone her to find out how she can
help arrange the purchase of your mortgage notes and have
your monthly payments converted to a large sum of cash. Call
Helen at 1-888-704-0043. She is also looking for people to
help her in the financial services business, and writes, “CASH
FLOW NOW! High weekly commissions, sign up local clients
in high demand financial service. No experience necessary. If
interested in this opportunity, call U.S. Mortgage at 1-800-
365-7550 ext. 61372. Say that you responding to the ad in
Highlander, and you’ll receive a free information package.
* * * * * * * * *
New Highlander Club member Alonso Davis says he has a phe-
nomenal home-based business opportunity where you’ll
“make a living while making a difference.” He writes: “31
year old NYSE Company (PPD) rock solid. No competition.
Share a service with people that everyone needs yet nobody
has. Get paid daily. Also receive residual income year after
year. Call 1-770-772-1700 anytime to listen to a recorded
message.” Davis also invites readers to visit his web site at
www.prepaidlegal.com/go/alonsodee. If interested, call 1-888-
434-1231.
Save Money Without Budgeting
continued from page 1
The best way to save money is to have it taken right
off your paycheck and placed into a separate account.
The basic guideline is to “pay yourself ” 10% of each
paycheck, by depositing it into your savings account.
With automatic transfers, you won’t spend money you
“Fellow Highlander Dick Wulf needs your assistance
to help the families and couples of America
strengthen the backbone of our country. A psy-
chotherapist with more than 38 years of experience
who specializes in helping people build and main-
tain solid relationships, he knows that Highlander members
understand the entrepreneurial spirit required to pull off a
movement such as this. Highlander members can combine
their risk-taking entrepreneurial spirit with their concern for
their fellow man, and help Dick reach thousands of families
and couples to improve relationships, head off family disinte-
gration, and prevent delinquency and drug abuse through
dialogue. Wulf offers Conversation Tool Kits that are not only
fun to use, but invaluable in terms of learning to unravel
some of the complexities which relationships bring. While
Wulf says that there could be money in it for you (his market-
ing plan requires more than 200 people), satisfaction is defi-
nite. Check out www.hope2help.com/Highlander.”
* * * * * * * * *
Has Highlander Club helped you forge ahead in business? If so, we
want to hear all the details about your climb to success. Send a let-
ter describing your steps to success to The Editor, Highlander Club
777 S. Flagler Drive, Ste. 800W, West Palm Beach, FL 33401-6163,
USA, Fax (905) 760-2809, and we’ll immediately ship you a beau-
tifully printed cloth Highlander bag containing a Highlander lapel
pin, a handsome Highlander money clip, and an authentic collect-
able coin from centuries gone by. Encased in plastic, this coin is
something you’ll definitely want to display. We reserve the right to
grammatically edit all letters received.
Do you have a legitimate business opportunity you’d like to share
with Highlander Club members? Are you seeking a loan to start a
business? If so, describe your opportunity and we’ll publish it in
our new Highlander Club “Opportunities Section.” Send your mate-
rial to: The Editor, Highlander Club, 777 S. Flagler Drive, Ste.
800W, West Palm Beach, FL 33401-6163, USA, Fax (905) 760-
2809.
Please note that Highlander Club maintains the “Opportunities Section”
to provide a forum for sharing ideas and opportunities. Although
every attempt is made to ensure the accuracy of this information, we
can make no guarantees. We will, of course, make every effort to cor-
rect errors brought to our attention. The inclusion of businesses,
opportunities, or offers should not be considered an endorsement of
articles, products, or materials. Nor is it intended to endorse any views
expressed or products or services offered, by the author or organiza-
tion. Highlander Club expects that its members will act with honor, and,
therefore, we trust that the products, services, and business opportuni-
ties mentioned in their advertisements are legitimate. However, we do
not have the resources to investigate every product, service, or business
opportunity that is advertised in the newsletter; therefore, we cannot
personally guarantee what they’re offering.
don’t have, and many Highlander members tell us they
are adopting this strategy—and with excellent results, I
might add. In fact, word from our members is that the
“Cappuccino Method” works better than budgeting.
Couples who can keep a lid on their spending habits
and educate themselves about money will prosper.
After all, it’s not how much you earn—it’s how much
you save. ■