This crucial fact about property market cycles lay undiscovered from 1776 to 2005

Now it’s set to give you the green light to pick up THREE stunning investment bargains...

And save you from making the most expensive mistake of your life

What the UK’s best financial minds read every week

Dear Reader,

Give me just 5 minutes of your time and I’ll reveal a discovery about the property markets that will make a massive difference to your finances. A discovery that the financial media has completely overlooked...

This information would have saved hundreds of thousands of people from the negative equity nightmare of the early 1990s.And made a fortune for thousands more...

It would also have protected thousands of people from the housing crisis of 1972/3.And made a fortune for thousands more...

In fact this information would have helped Britons protect themselves - and profit - from every major property slump going back to the 18th century! Now a select group of investors are using it to make sure they survive the first great property crisis of the 21st century.

I’m rushing this letter to you today to make sure you get the chance to profit from it too.

In the next 4 years your financial world is going to change... dramatically

For a decade it was so simple for property investors.All they had to do was buy property, and then sit back and watch it soar in value.

It was so easy to make money that people started treating their houses as a bank and a pension, as well as somewhere to live.

They took out loans against their homes on the basis they’d make a big profit in the future. They bought houses they couldn’t afford on the basis - again – that they’d make a big profit in the future.They planned their retirement around property on the basis that – you’ve guessed it – they’d make a big profit in the future.

And every time that someone predicted a property crash, and nothing much happened, those same people became more and more convinced that they were doing the right thing. After all, you can’t go wrong with bricks and mortar, right?
Wrong.

No bubble lasts forever.That’s a FACT.There is a mountain of evidence that the property market is in a sick, sick state. FACT.

And then there’s the secret I’m going to tell you about.This secret provides compelling evidence that the current property slump will turn into the next great property crisis.

And, crucially, that it’s going to last for the NEXT FOURYEARS!

To help you avoid financial disaster and find out more about our recommendations, we'd like to offer you the next 4 issues of MoneyWeek on a no-risk FREE trial - start your TRIAL now!

"In fact you could have just weeks left to protect yourself from the fallout from the property crisis... and profit from the panic that follows!"

This is what we believe is going to happen next.

The current property slump will turn into a full-blown crisis in the next few weeks and months. Uninformed investors, the investors who still believe that we’re heading for a ‘healthy correction’ or a ‘soft landing’, will be caught up in a mad panic.

They’ll pull their money out of the markets.They’ll sell indiscriminately.And they’ll miss out on the next wave of great investment opportunities.

Meanwhile, informed investors will be packing their portfolios with investments that will make them a fortune in the next 4 years.

Even better they’ll be picking them up at bargain prices...

How YOU could add £200,000 or more to your wealth by 2012

I can’t stress this enough…

The investment decisions you make in the next few weeks could make an enormous difference to your finances in the next 4 years.

How much? Well, I’ve already said they could make a £200,000 difference. But that figure is for the average investor.

The eventual figure for someone like you could be much, much higher.

And that’s why I’m rushing you this special MoneyWeek report today.

Included are 3 investments that are set to catch fire in the next couple of years - no matter what happens to the markets (it might surprise you that one is a property play)... And 3 investment death-traps that could cost you upwards of £190,000 by 2012.

Here’s the first...

2008 Investment death-trap #1: Buying property

For the last couple of years the housing bulls, panicky estate agents and other crash deniers have insisted that property prices won’t crash because:

a] the supply of property can’t cope with demand and...

b] the economic fundamentals are still strong

We have never agreed. It’s perfectly possible to have falling house prices even if GDP growth is respectable and employment is strong - as the American property market is proving right now.

And if supply and demand really was the crucial factor, rents would have gone up at the same rate as house prices.They haven’t. In fact, even after double-digit falls house prices are still overvalued compared to rents.

No, the real reason why house prices boomed was that interest rates were low and lenders were excessively lax.And that allowed people to pay prices they really couldn’t afford. Now the gravy days are over.Mortgage interest rates are high.And lenders, spooked by the subprime and banking crises – and the huge amount of money they’ve been losing - have all but turned off the supply of cheap credit.

The result? The housing market has been left without the two crutches - low interest rates and easy credit - that were keeping it upright.And that can only mean one thing…

"People who buy the average detached house now could see £169,000 wiped off their assets in the next 4 years"

House prices are already falling substantially across the country. But how much more will they fall by? And how long will the crisis last for?

Last October the International Monetary Fund warned that homes were overpriced by up to 40%.That’s far more than the overpricing in the US before the current property slump began there. Credit agency Fitch reckons that prices are overvalued by 20%;HSBC by 30% or more. Global banking group ABN-AMRO puts the figure at almost 50%.

Credit Suisse forecasts an overall decline in prices of 10% in 2008. Seema Shah, of Capital Economics, believes they’ll go down by 25% by the end of 2009. Henry Pryor, CEO of property website PrimeMove.com predicts falls of 15% next year – and 30% by 2012.The Times’s Anatole Koletsky thinks prices will go down by 30% in the long term.

Economist and MoneyWeek contributor James Ferguson puts that figure at over 50% over 5 years..

Here at MoneyWeek we’re predicting a fall of 50% in real terms over the next 4 years. So what should you do?

Well, if you already own a house, you’re happy there and you’re comfortable with your mortgage debt, don’t do anything.You can think about selling at the top and investing elsewhere but why not just relax and enjoy your home.

But if you’re thinking about getting onto the ladder, or of upsizing, then I’d urge you to think again.

Just look at the figures...

The average price of a detached house in the UK is now £338,000.The average price of all property is now £219,000. If we’re right, and property is set to come down by 50%, people who buy the average detached house now could see £169,000 wiped off their assets

Plus you’ll be paying higher and higher mortgage fees to cover the original cost.

We believe the solution is obvious. If you absolutely must buy a house to live in, then make sure you have a decent deposit and a sensible mortgage.And that means no interestonly mortgages, no ‘lie-to-buy’ deals, no sharing with friends and definitely no 50 year life sentences.

But if you don’t really need to buy, why not rent?You’ll save money in the short term.You’ll protect yourself from the spectre of negative equity.And you’ll be perfectly placed to grab a bargain when house prices come crashing down. You’ll also have more money to invest in alternative, lucrative sectors.

I’ll introduce you to MoneyWeek’s 3 favourite investments for 2008 later. But first let’s move on to the next investment death-trap...

2008 Investment death-trap #2: Buy-to-let

At the start of a raging bull market, buy-to-let seems close to the perfect investment.You buy a property, tenants queue up to pay the mortgage for you and then, when you decide to sell, you bank a massive capital gain.

But when interest rates are rising, rental yields are plunging and house prices are all set for a long downturn, it’s a sure-fire way to lose money.

According to the industry hype, buy-to-let landlords rake in 8.5% each year from their tenants. In the real world the gross rental yield is more like 5.5%.After fees, maintenance and other costs that figure slumps further, to 3.5% (and we haven’t even mentioned stamp duty and other buying costs yet).

With typical mortgage interest rates of around 7%, many buy-to-let landlords are already swallowing big losses.And the fallout from the credit crisis means it’s going to get worse and worse.

Why the credit crunch is set to wipe out Buy-to-Let

Many people think that mortgages are priced off the Bank of England’s base rate. In fact they’re normally priced off the rate at which banks can borrow from each other.And since the Northern Rock crisis, when the banks became more reluctant to lend to each other, that rate has shot up.

And this is the crucial bit. Interest rates for buy-to-letters and subprime buyers, which started off higher anyway, have risen particularly quickly. In the first half of 2008 average rates rose by 0.35% to 7.33% and the number of products on the market has dived by 93%. In the circumstances it’s no surprise that people are starting to jump off the buy-to-let bandwagon. Financial services firm Skandia predicts that the stock of buy-to-let mortgages will slump from £120 billion to £44 billion over the next few years.

I’d urge you to steer clear of this dead investment too. It could easily cost you £23,000 in the next 4 years.

And if you already own a second property I’d urge you to sell it soon. This is why...

"Revealed: the 232 year-old ‘secret’ of perfect property market timing"

You probably won’t have heard of the economist Fred Harrison.Many professional investors haven’t, though many readers of MoneyWeek will be familiar with his name. But that’s all about to change.

You see, back in 2005 Harrison did something extraordinary.After analysing 232 years of business cycle statistics, he made a discovery that’s enabled us, for the first time ever, to predict when housing bubbles start and end.

I’m not going to get into the complex details of it here. But basically Harrison discovered that the housing market operates on a cycle that’s based around land prices. As an economy grows, so does the demand for land. Because the supply of land is fixed, it becomes more expensive.As prices go up, corporate profits and wages are squeezed. Finally there comes a point when prices simply can’t go any higher because people can’t afford to pay them any more.

And this is the really interesting bit. In every single case the cycle lasts the same time - 18 years, which consists of 14 years of stable or rising prices and 4 years of recession. The previous UK housing bubble burst in 1990…

And that, as Fred Harrison has been saying for the past 3 years, could only mean two things:

1. The next UK property crisis would start in 2008 (as indeed it has) and, crucially…
2. The value of your property investments will keep falling until at least 2012!

"This economic ‘secret’ didn’t just warn us when the next property crisis would start… it’s also telling us how long it will last for!"

Frankly, when we first saw Harrison’s ‘Cycle 18’ discovery in the MoneyWeek office back in 2005, we thought it was too good to be true.Then we checked the facts. Everything added up.Then we quizzed Harrison ourselves. Again everything added up.

Then his 2008 prediction came true.And we really sat up and paid attention. It really is an extraordinary discovery - a potentially landmark moment in our understanding of the property markets, and our ability to make money from them. But ‘Cycle 18’ isn’t the only reason why we’re convinced that today’s sick UK property market isn’t going to get better any time soon.

Actually, there are a huge number of scary stats and facts that scream that things are going to get a whole lot worse. Here are just a few…

• According to the Halifax, house prices are falling at their fastest rate since records began 25 years ago. In the year to August 2008 the average home lost nearly £25,500 in value – that’s a 12.7% drop.
• House sales are at their lowest since 1978, at barely one sale a week per agent. [1] • Mortgage deals are disappearing fast. In the six months to April 2008 the number of available mortgage products fell from 16,000 to 5,485.On 7 April Abbey withdrew the last of the 100% mortgage deals.
• The number of new mortgages approved for people buying a house dived by 51% in the year to July 2008.The average first-time buyer now needs a 15% deposit – a year ago it was 10%.
• In 1993 first-time buyers made up 55% of the market.That figure has now slumped to 29%.[2]
• According to the Empty Homes Agency, there are 850,000 empty properties in England alone. So the ‘supply v demand’ argument used by crash deniers might not be such a factor after all?
• Individual insolvencies are up 225% in the last 2 years as a nation of debt junkies struggles to cope. [3]
• In May 2007 Jon Hunt, founder of Foxtons, sold the UK arm of the business.A smart move from the first big rat to jump ship?
• For the second year in a row, personal debt in the UK is higher than the entire value of the economy. Before 2007 that had never happened before. [4]
• More than 4 million families have used a credit card to pay their mortgage this year [5] Here’s what we think will happen between now and 2012.

Investors will do the maths on buy-to-let and then rush to sell up. People who’ve overstretched themselves won’t be able to meet the higher mortgage payments.They’ll either lose their homes or have to sell up.

People will scramble to sell their property. For sale signs will dominate streets. Repossessions will rocket.

And first-time buyers, the traditional lifeblood of the market, won’t be around to take up the slack. Instead they’ll wait and see if prices go lower. But as panic hits the markets, and unprepared investors scramble to save themselves from devastating losses, a wave of profit opportunities will open up. I’ll tell you more about them later.

But first I must get round to introducing myself - and tell you more about the unique investment service that promises to make you one of the most clued-up private investors around.

As you already know, I write on behalf of a financial magazine called MoneyWeek.My name is Toby Bray and I’m the Publisher.

Since 2000 we’ve been scouring the financial news from across the world, and drawing on our army of contacts in the City and beyond, to bring our readers bang up to date with all the very latest investment trends and opportunities.

And then we’ve told them exactly how to profit from them.

• As far back as August 2002, we were certain that crude oil prices would surge, and that oil shares were far too cheap.We told our readers so.And what happened? Since then, oil has gone up by 206%. In April 2005, Richard Tonkinson ofWilliams De Broe suggested it might be worth looking at three resource shares to play the commodities bull.They have paid off handsomely. In fact, plays Heritage Oil Corp, Giralia Resources, and Uraguay Mineral Exp have since gone up an average of 349%!,
• In 2003 we were quick to spot demand outstripping supply for platinum.We recommended a must-have investment in our June issue of MoneyWeek - Lonmin. Its shares have so far shot up 353%. Platinum is currently hitting record highs. But that’s not the end of this sector opportunity. Right now we’re tracking several buys that are starting to tempt the shrewdest fund managers.We’ll tell you exactly when to get in, to avoid the duds and make big money in the coming months ahead.
• Every week we unveil a whole range of new and profitable opportunities in a wide variety of sectors. Since June 2006 just one of our contributors, top private investor Paul Hill, has tipped more than 50 winners including one share (Tanfield) that went up a whopping 662% by October 2007.

Over the last 7 years we have consistently provided our readers with advice and tips that have saved and made them money.

Now I’d like you to benefit too.With your permission I’d like to send you the next 3 issues of MoneyWeek on a no-obligation FREE trial so you can profit from the cream of investment tips that must be acted on right now - and avoid the investment traps that other people are falling into.

Traps like this...

2008 Investment death-trap #3: Commercial Property

The era of easy credit and low interest rates didn’t just spark the housing bubble, it also fuelled a spectacular boom in the commercial property sector. Prices for shops and offices went through the roof.Overall the retail sector achieved a whopping 60.5% gain in the three years to 2007 alone.

But now the boom is officially over.The price of commercial property has been pushed so high that the average yield (the amount of rent paid compared with the purchase price) now stands at just 4.5%,well below the UK base rate. Investors can now get a better return from buying risk-free government bonds than they can get from investing in the increasingly volatile retail sector. Commercial property funds, including the marketleading schemes run by New Star and Norwich Union, have all seen their values dive in the last 12 months.

Between December 2007 and January 2008 alone 3 of Britain’s biggest property funds – Friends Provident, Scottish Equitable and ScottishWidows – were forced to shut their doors to withdrawals by small investors after an outbreak of panic selling.Other fund managers, including Schroders and UBS, have already put a block on withdrawals by institutional clients.

The UK’s commercial property market is now in a worse state than at any time since the early 1990s.And there is little hope of things getting any better soon. In fact they’re going to get a lot worse. Investment bank Morgan Stanley predicts a market fall of 50%.

Economics consultancy Capital Economics predicts that commercial property prices will fall by 18% in real terms by 2010.

In the circumstances our advice is simple. If you’re thinking of sinking money into commercial property schemes, please don’t.

But what if you’ve already got money in commercial property schemes?Well, the official line is ‘don’t panic’. In the Sunday Times, one City name recently advised investors to stick in there, saying: ‘Over five to ten years, your investment should come good even if in the short term returns are poor.’

Here at MoneyWeek we’ve never paid much attention to the official line, not when it’s set to cost our readers money... and particularly not when it reeks of self-interest. The idea of swallowing substantial losses in the short-term in the hope of cashing in sometime in the unknown and distant future doesn’t make a lot of sense to us.‘Cut your losses and run your profits’ is the general advice given to investors in shares.We see no reason why you shouldn’t do exactly the same for asset classes, particularly commercial property. If you’ve already sunk money into a ‘lame duck’ retail scheme our advice is to get it out if you can - even if there are exit charges to pay.

And don’t get back into commercial property till there are clear signs that the market is bottoming out.

Remember, our army of experts and high-profile contacts is primed to alert you as soon as it does...

And that is really what MoneyWeek is all about

All private investors, from the most experienced to the most novice, face the same problem. Every day they are confronted with a mountain of financial information, much of it contradictory.They know that somewhere in that mountain lies a gem of a tip that could make a real impact on their wealth. But it’s buried so deep that they’ll probably never find it - at least not before it becomes too well-known and tired to make them any serious gains. To really succeed as a private investor you need to act on the right information at the right time.

And that is why MoneyWeek is such an essential service for anyone who wants to transform their wealth and standard of living...

Every week we scour through hundreds of news sources, from the mainstream media to obscure financial websites and company reports, to bring you an unbiased, easy-to-read round-up of the best and most valuable investment advice around.

Every week we interrogate an army of influential City contacts to fill you in on the very latest City news, tips and gossip, news that private investors would normally never hear about. And every time we find a new profit opportunity we tell you exactly how and when to act on it to maximise your gains...and minimise your risks.

If you’d followed the tips in just one of last year’s issues, from 16 June, you would have made gains of 61%, 46%, 41% and 173% in just 5 months. If you’d had access just to the ‘personal view’ section of our 8 September issue, you could have made gains of 24%, 13% and 102% in just 4 months.

In the coming year our MoneyWeek team and network of City high-flyers are predicting our readers will enjoy even bigger gains.

And it really couldn’t be easier for you to profit too.

All you have to do is go to page 23 and complete the Free Trial Invitation and we will rush you the next 3 MoneyWeek issues FREE of charge.

But I’d urge you to act quickly. I’ve just spoken to our editor,Merryn SomersetWebb, and she told me that some of the best investment tips in years are going to be made public in MoneyWeek in the next few weeks.

"A major financial crisis is on the way... We’ll show you how to turn panic into profit"

I’m sure you’re aware how volatile the markets have been recently.The subprime crisis, the spectre of a banking system collapse, unprecedented consumer debt, persistently gloomy news from the States and a natural slowdown in the economy have caused 3 hugely dramatic market slides in the last 18 months, including the worst single day slump since 9/11 (on 21 January 2008). So far the markets have proved remarkably resilient, recovering most of the losses in a matter of days, but there are no guarantees we’ll be so lucky the next time. In fact there is an unsettling amount of evidence that suggests we are hurtling towards a major financial crisis. I won’t go into the complex details here. Instead I’d urge you to claim your free issues of MoneyWeek and see what our experts are saying first-hand.

Even if we escape a repeat of the crashes of 1987, 2000 or even 1929, one thing is certain. We are set for a prolonged spell of intense volatility. Huge numbers of investors will be sent into a tailspin of panic as apparently safe investments nosedive and the investment strategies they’ve learned in the good times no longer work.

That’s too bad for them. Because there are many investments you can make, if you’re armed with the right information, that will make you money during this period of panic. Some of history’s greatest fortunes have been made when investors are panicking and markets are tumbling.

Over the next few weeks the MoneyWeek team will show you how you can turn panic into profit too.

• We will alert you when indiscriminate selling pushes the value of blue chips and topquality growth companies down to bargain levels.
• We will tell you which investments are going to damage your wealth. Sectors to steer clear of include construction, banking, luxury goods (who will buy them once the City bonuses dry up?) and, of course, housing.
• And we will tell you exactly what to do to take advantage of sectors that are about to soar.

Sectors like these...

Crisis-proof Investment #1: Oil... How to profit from ‘black gold’ – even if the price plummets

MoneyWeek readers have already made stunning gains from our oil recommendations as the price of crude soared to record highs.One tip, Giralia Resources, has gone up 438% since it was recommended in March 2005.

Now the picture is changing.The price of oil is coming down.And we believe it will continue to fall for the next 12 to 18 months – perhaps to as low as $60-$70 a barrel. But that doesn’t signal the end of the great oil investment story. Not at all.

Between 1998 and 2008 the price of crude soared by 1,235%. In the first 7 months of 2008 it shot up by over 60%, finally reaching a record high of $147 a barrel in July. But it couldn’t last. Demand has been falling across the world – in the US, for example, the number of driving miles has fallen at its fastest rate for 28 years.At the same time, more oil is coming on stream. Rising supply and falling demand can only mean one thing – lower prices.

But here’s the interesting point. Even if oil falls to $60 a barrel, it still won’t break the fuel’s long-term bull trend – in historical terms it will still be expensive (remember, oil cost around $10 a barrel just 10 years ago).That’s great news for companies involved in the oil sector – $60 oil still means big profits. It’s also good news for companies specialising in cheaper alternative energies such as nuclear, wind, hydro and geothermal power.

Best of all it’s great news for you – as long as you invest in the right companies at the right time.

Here at MoneyWeek we’ve recently uncovered no fewer than TWELVE fresh and specific – but not always obvious – ways to profit from oil even if the price of crude drops as low as $60 a barrel.We have also found 5 of the best ways to profit from the fledgling bull market in alternative energy.

And I’m delighted to say you can access this information for FREE in our special online report,“Which way now for oil prices?”. Make these oil plays now, before the herd catches on, and you could be banking huge gains in the coming months.And oil isn’t the only commodity that’s set to make smart investors money while unprepared investors are losing their heads…

Crisis-proof Investment #2: "Meat... your ticket to profiting from the commodity super-cycle"

You wouldn’t know it by looking at your grocery bill, but the price of many foodstuffs, particularly grain, has fallen significantly in recent months.

But there is one foodstuff that looks set to keep on soaring in price.And that’s meat. The problem is supply and demand. Demand for meat is soaring in the developing world. In China, for example, the per-capita meat consumption has nearly tripled since 1980.At the same time the supply chain has hit two major problems.

The riches to be made from growing crops, either for food or ethanol, has seen many farmers switch from raising livestock.And the record price of feed has made it very hard for livestock farmers to make any money. In fact hog farmers in the US have been losing $30 on each pig this year.

Livestock farmers have endured a nightmare recently – with many farmers reduced to slaughtering their stock. But as feed prices drop and the supply v. demand squeeze turns round in their favour, that’s all going to change.

We are convinced that meat is going to emerge as the next great bull market.And that’s why investments in livestock are at the forefront of the ‘profit from panic’ investment strategy we’re set to make public in the coming weeks and months.

Some of the tips in our unique profit strategy will be fairly obvious.Others will be unknown to all but the sharpest City professional.

Some of our tips will be flagged as high risk.Others will be medium or low risk. Some will be more aggressive and short-term, others more defensive and long-term. It’s entirely up to you which path you take.

But every one of our tips have the same four things in common:

• They are painstakingly well researched.
• The logic behind them, and the risks involved, are explained clearly and precisely.
• They are straightforward for UK investors to invest in.
• And above all they will give you the opportunity to make substantial gains.

In fact one ‘crisis-proof ’ investment is almost guaranteed. It could easily make you the single biggest gain of your life!

I know, it sounds too good to be true. But there is one investment you can make that you can buy, stick with, and ride all the way to the end of this high-volatility cycle. This investment is extremely simple.And, in our view, extremely safe.The last time we encountered conditions like this, this investment went up more than 2,000% in less than 10 years!

Now we’re not suggesting it could make you 2,000% this time. In fact we’re not willing to put a figure on just how much it will make you.What we will say is that this investment has the potential to make you life-changing gains.

And most important, this investment is a kind of insurance against all the many things that could go drastically wrong in the coming months, from the collapse of the dollar to raging inflation.

It wouldn’t be fair on our existing subscribers to tell you exactly what the ‘insurance play’ is. But it couldn’t be easier for you to find out all about it.All you have to do is claim your FREE trial issues of MoneyWeek.This investment is so big and so important that barely a week goes by without one of our experts urging our readers to buy it.

Everything you need to be a successful investor and make money is right here!

If you accept this invitation to sign up for MoneyWeek you will be joining a knowledge and wealth building programme that will automatically elevate you three, four or even five steps ahead of the crowd.

But don’t just take my word for it. Every day I receive complimentary messages from both private and professional investors. Here are just a few of them...

MoneyWeek can help you, the private investor, like no other service

MoneyWeek was created for one purpose - to seek out the most important financial information available, and tell our readers how to profit from it.

If you accept this invitation to join the MoneyWeek service:

You’ll no longer have the hassle or expense of ploughing through mountains of newspapers, magazines and websites to find the information you need to secure your financial future.

• You’ll no longer have to worry that you’ve missed a nugget of information that could transform, or threaten, your wealth.
• You won’t need to panic when the next big share sell-off begins, or when the victims of the housing crash begin to pile up.
• You’ll no longer have to settle for getting in on the back end of a tip, or watch other investors carve up the bulk of the profits.
• And you’ll have prized information that will make you one of the most informed, and potentially successful, investors around.

Those are big claims, I know. So big that you may be sceptical.And that’s why I’m so keen for you to apply for your 3 FREE issues of MoneyWeek so you can see what all the fuss is about yourself.

In just a moment I’ll tell you how you can apply for your free copies.

But first I must tell you about another crucial - and FREE - benefit of joining the MoneyWeek service... and also fill you in on the exciting housing investment I promised to tell you about right at the start.

FREE: Fast-breaking financial news, views and tips delivered instantly to your inbox

The financial world can change dramatically in the space of a few weeks, or even hours. That’s why MoneyWeek is published weekly rather than monthly like many other financial publications.

But there are times when a weekly magazine just can’t react quickly enough to important news and events.And that’s why we’ve launched a daily email service,Money Morning, to keep you bang up to date with all the latest vital events - and save you from wasting valuable working time scouring websites and news channels.

Every weekday in Money Morning, deputy editor John Stepek gives a punchy, entertaining and opinionated rundown of the day’s biggest political, financial and economic news and events. It could be a high-profile announcement from Mervyn King or Ben Bernanke, a crucial development in the emerging markets or news of a MoneyWeek tip that’s all set to pay out. Whatever the story is, John will be on hand to give you the full details and explain what impact it will have on the wider economy and, crucially, on you and your money.

The smart investor’s bible

The MoneyWeek service, including Money Morning, truly is the smart investors’ bible. It doesn’t matter how much money you have, or how experienced an investor you are.We provide you with all the financial news that really matters - when you need it. All in a format that’s great fun to read and easy to understand.

 

If you agree to join the select band of MoneyWeek readers you’ll find everything you need to be a successful investor and make money in the months and years to come. You’ll save yourself and your family from becoming victims of the next, great stock market crisis.

You could save yourself £190,000 or more during the 2008-2012 UK property crisis. And you’ll make money from smart investment and finance plays like these:

• Gold - We’ll show you how to profit from the modern-day gold rush.
• Water - Water shortages are a massive problem across the world.We’ve identified the best plays on this lucrative and long-term theme.
• How to keep Alistair Darling’s hands off your hard-earned wealth - Discover how you can pay less tax every single year... and much, much more

And then there is the ‘must-have’ property play I mentioned earlier...

The one property investment to BUY as the UK housing market crashes

As UK property has become less and less affordable, many investors have looked to buy overseas.The problem is, most of them are looking in the wrong place.

Places like Bulgaria, Spain and particularly Florida look great in the property shows and brochures - but in the future they’re much more likely to lose you money than make you any.And they’re going to cause you a whole lot of stress and hassle in the process.

 

At MoneyWeek we’re really excited about one ‘alternative’ foreign property markets.This market is emerging from a long period of stagnation. It has a massive potential upside.And crucially...

We’ve found a way for you to profit from this major growth story without you having to buy a foreign stock, never mind actually investing in bricks and mortar.

This property market was recently labelled the ‘most bombed-out commodity in the world’.We agree. And that’s why we’ve added it to our list of must-have investments for 2008. Over the next few weeks we’ll unveil the list in full.More importantly, we’ll tell our subscribers exactly how they can profit from them.

Act quickly, and you can join in the fun too. But you can only do that if you take up our offer of 3 FREE issues of MoneyWeek.

 

Will 2008 end with you a great deal richer… or thousands of pounds poorer? You can make that decision today.

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Read through the issues. Look at the tips, the advice, the columns, the sectors of the week.Work out what all the information could do for your finances and also your knowledge of the markets.

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PS: You’ve heard how you can enjoy MoneyWeek on a FREE 3-week trial.And you’ve heard how you can also enjoy our invaluable daily email,Money Morning, for free.Well that’s not all...

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