Frequently Asked Questions

What is your book Liquid Millionaire about?

It’s about how to become a liquid millionaire or multi-millionaire by using a new way to tax-free invest in the stock market. This new method is called ISA Trend Investing.

What is this “opportunity” that you discovered?

The opportunity is a possible up and coming stock market boom. Not only do I believe that this boom is imminent, I also believe that it may be about to start, or could right now be in the early stages of development. I say to people who are curious to know more, that now is the time to rule yourself in or out. Then, if you like it, the book gives you two ways to take advantage of an imminent boom.

What inspired you to write this book?

One day when I was analysing the stock market I noticed something that got me to sit up in my chair. What I saw turned out to be an investment opportunity that has not been seen in almost 30 years.

I was so excited about it that I wanted to share my finding with as many people as possible. I thought the best way to do that would be to write a book that clearly showed the reader exactly what I saw. My goal was to get the reader as excited as I was – and then show them how to profit from what I saw and, in turn, help them to retire financially secure.

What are the two ways to take advantage of an imminent boom?

One is what I call a “Do It Yourself” approach and the other is simply called “Get Help.” To explain, the get help approach shows the reader the best way to get expert help and both approaches can play a big part in helping them to retire rich. The DIY approach is more cost effective, but not as time friendly. The “Get Help” approach comes at a cost, but is extremely time friendly.

What is your main motivation?

My brother and I have what we call an “Ultimate Goal” which is a very long-term goal but is definitely one of my main motivations. Another motivation comes from having a sincere desire to help people – who want help – to retire financially secure. Believe it or not, not everybody wants help and so I tend to focus only on the ones who ask for it. For people who say, “Tell me what I need to do,” I can educate and inform them of how it is possible to take away the unnecessary stress, heartache and anxiety that comes with not having enough money when you reach retirement.

As well as wanting to help others, I also have numerous other goals, in lots of different areas of my life, that help to keep me motivated. These areas include health, relationships, lifestyle choices and leaving my mark.

How much research went into writing this book?

Liquid Millionaire is the sum total of all my best thoughts and research over the last 10 years. It is the combination of the absorption of countless books, articles, audio programs and seminars attended.

Plus…it comprises all my experience and knowledge of real trading and investing in the market, where so far I’ve made probably over 10,000 trades.

With regards to how much reading and research I do in a typical week, I read roughly 1 to 2 books per week. I’m known as being seriously passionate about learning, growth and development.

What is your background?

A lot of people know me as the guy who turned $31,409 into $1.28 million over 38 months. Others know about me and my brother Paul because we bought our Dad his dream car, a Bentley Continental, with just one day’s trading profits.

But what a lot of people don’t know is that I did very poorly in school, didn’t attend college, didn’t attend university and didn’t get serious about my future until 1998 when I discovered personal development. It’s amazing what a person can achieve in ten years when you get serious.

Who is the book aimed at?

People who are ambitious and have a desire to retire rich will love it.

It’s also aimed at individuals who want to retire rich and have one or more of the following motivations:-

• Financial Security in Retirement
• A Better Personal Lifestyle
• Desire to Enjoy the Finer Things in Life

Liquid Millionaire is ideally aimed at a person with high income or people who have a serious desire to earn a high income some time in the future.

It’s also for people who might not be earning anymore but have a lump sum that they want to grow to help them retire financially secure and provide a guaranteed income for life. This bracket might include retired business owners.

We generally say that it’s perfect for people who have fast access to at least £20,000 in liquid cash, or will have access to £20,000 in liquid some time in the future.

What makes the book unique?

It shares a brand new way to take advantage of an up and coming stock market boom, helping to make you millions so that you can retire financially secure. You make this happen by investing in ISAs and SIPPs, using something called ISA Trend Investing. ISA Trend Investing is a first.

What exactly is ISA Trend Investing?

ISA Trend Investing is a winning system in good times and bad.

With ISA Trend Investing you trade investment funds (not stocks) using an ISA, a SIPP or both, to achieve tax-free, index beating returns. You simply profit in up markets and protect in down markets.

Can you give me a quick synopsis of the book?

In Liquid Millionaire, you discover how it’s possible to make millions from an up and coming stock market boom – guaranteeing financial security for your retirement. And depending on where you are starting from, you could make it in less than 7 years.

Liquid Millionaire presents you with three things:

1. An opportunity that could help you to make millions from an up and coming stock market boom

2. An investing method to help you capitalise on that opportunity

3. A choice of two routes to take – either DIY or Get Help

What does the book tell me to do to help me retire rich?

After reading Liquid Millionaire, you’ll have two options; you can either take a “DIY” approach, or “Get Help.” With both routes, I show you the steps to take to maximize your probability of success.

I also present a “shadow” investing solution that takes just 3 minutes per day, as well as a secret formula for turning your first million into £75 million.

Can you tell me the name of each chapter to give me a feel for what I’d be reading about?

Sure, here they are below:

CHAPTER 1: How I Turned $31,409 into $1.28 Million in 38 Months

CHAPTER 2: How This Book Can Help You Create Your Dream Lifestyle

CHAPTER 3: A Sure-Fire Way to Know How Much Money You Are Likely
To Make in ANY Given Period of Time

CHAPTER 4: A Way to Make Up to 30% Returns over the Next 10 Years

CHAPTER 5: How to MAKE MILLIONS from the Up and Coming
Stock Market Boom

CHAPTER 6: Retire Rich in Just 3 Minutes per Day

CHAPTER 7: How to Read the Market Like the Professionals

CHAPTER 8: Turning Your First Million into £75 Million

CHAPTER 9: The Ultimate Wealth Building Model

How much does Liquid Millionaire cost?

£21.97

When and where can I buy it?

Liquid Millionaire is available from March 6th 2009 and you can order it from Amazon.co.uk, or if you prefer and want a lifetime guarantee, yes I did say lifetime guarantee, order it from our website; ISACO.co.uk.

Oh, and when you buy Liquid Millionaire, there is a bonus section in the book that gives you quick access to £497 worth of valuable information for free.

This information comes in the form of three special wealth building reports which include, “How to Help Your Children Retire at Age 45 with a £9.2 Million Pound Fortune”, “How to Increase Your Income x 10 over the Next 3 ½ Years” and finally, “A Secret Skill That Few People Know That Could Help You Easily Earn over £1 Million Pounds per Year”.

When using ISA Trend investing are all the returns Tax-Free?

Yes—there are several advantages of this way of investing when compared to investing where your gains are not free of tax.

For example, let’s image two twins who earn identical amounts of money each and every year. Twin number 1 decides to invest in individual stocks (not using an ISA) and twin number 2 decides to invest in investment funds using his ISA to protect all the gains.

Each year, each twin makes a gain of +20% on their portfolio. Twin number 1, who invests through the stock market, has to pay tax on his gain and because he’s a high rate tax-payer, his gain is reduced to just 12%. Twin number 2, on the other hand, keeps all his 20% gain because his gain is “totally” protected through investing using an ISA.

Look at what happens to their trading accounts over various periods of time, assuming that both were investing £1200 each and every month. By the way, this is the equivalent of the maximum that a couple could invest using an ISA (tax-free wrapper).

Time Period Invested (£1200 per month)	Twin Number 1 (makes 20% and is taxed - gain ends up being +12%)	Twin Number 2 (makes +20% and pays no tax - gain made remains at 20% because use of ISA)
10 years	£279,000	£458,000
15 years	£605,000	£1.36m
20 years	£1.2m	£3.8m
25 years	£2.28m	£10.4m
30 years	£4.23m	£28m

As you can see, the end results are remarkably different. Plus, another advantage of investing in ISAs is that if your portfolio grows into, say, £1 million, £5 million or even £10 million or more, it’s all tax free and there simply is no cap.

Another plus is that there is no lifetime limit to how much you can put into your ISA. This is a great benefit because in 1997, the government were thinking of introducing a £50,000 limit. That would have meant that nobody could “put in” more than £50,000 over their lifetime. But because of the uproar it caused, the limit idea was scrapped. And yet there is yet another benefit to using ISAs, especially if you acquire the skill of being able to get your money to grow at, say, 20%. By making it a goal to become a centenarian (a person who is 100 or over), using this system of investing could help to make you worth £75 million tax-free!

Let me explain. The ISA “wrapper” stays with you for life, which means that if you follow a simple 7% withdrawal formula when you get to your goal (to pay for your dream lifestyle), and then keep investing for the rest of your lifetime, your tax-free pot is going to grow into a huge sum.

For example:

You and your partner set a goal to make £1 million using ISAs by the time you are 60 and you make it. After reaching your target, you’d then set up an automatic 7% withdrawal plan to fund your lifestyle. That means that if by then you have mastered the skill of growing your money at +20% per year, your large chunk of capital will continue to grow at approximately +11.6% every year instead of +20%. This means you become richer each year.

Because you and your partner accumulated £1 million, you’d then pay yourself £70,000 (7% of £1 million) to pay for your chosen lifestyle. Your million would drop to £930,000 and then grow at +20%. At the end of the year, you’d have £1,116,000. That means the next year’s 7% of cash flow would be £78,120, or a +11.6% increase in your yearly living expenses.

The great thing is that if you set things up like this, your main lump sum gets bigger, making you richer each year and your lifestyle gets better as your living expenses rise each and every year. And so if you followed the magic “7%” formula: At age 70, you’d have £195,000 cash flow (to pay for your lifestyle) and have a tax-free fortune of £2.79m. At age 80, you’d have £584,000 cash flow (to pay for your lifestyle) and have a tax-free fortune of £8.35m. At age 90, you’d have £1.75 million cash flow (to pay for your lifestyle) and have a tax-free fortune of £25m. And if you managed to hit the magic 100 mark, you’d have £5.25m cash flow (to pay for your lifestyle) and have a tax-free fortune of £75 million! And it would all be tax-free!

What you have just seen is the power of compound interest going to work on your behalf. It’s mind boggling, isn’t it?

Do you offer time friendly help, private coaching or consulting?

Yes, I do offer a premium service. It’s called Tax-Free Millionaire. Tax-Free Millionaire can help you retire rich in just 3 minutes per day.

How?

By simply shadow investing what I am doing with my ISA and SIPP account. That means if I get a 23% tax-free return, so do you. People like to shadow invest me because they know me as the guy who turned $31,409 into $1.28 million over a 38 month period. I do all the work for you so you don’t have to. The service is also backed with a no questions asked money back guarantee.
However, to follow my lead, you do need to have fast access to at least £20,000 in liquid. If this premium service interests you and want to find out why more than 200 high profile people follow my lead, please contact ISACO direct. And when you call or mail ISACO, I can assure you there will be no selling, no jargon – just the facts.

What sort of returns can I expect to achieve by using ISA Trend Investing over the long term?

Your aim should be to get 15–20% over the long term.

Are these guaranteed 15–20% returns?

No. If you want guaranteed returns from investing then we suggest you put your money in a bank or building society. The most you will probably get is about 6%.

It’s important to understand that to become wealthy, it helps if you have the skill and knowledge to be able to grow your money at greater than average returns. That’s why a valuable study plan with plenty of hours is essential if you want to succeed.

For example, a couple socking away £1200 per month over a ten-year period would have “put into the pot” £144,000. When you look at how money grows over time, you see that growing at 6% per year is going to grow that £144,000 into just £197,000. But if that same couple had the knowledge and skill to get their money to grow at 20% per year, their £144,000 would become £458,000. And here’s the good news. In the right market environment and with some fancy fund picking, 30% returns could be possible. If this same couple managed to return as much as +30% per year, which would not be easy but possible, their £144,000 would turn into a gigantic £903,000.

The other bonus is that if you know what you are doing, you can make all that money “tax-free”. That just could be 903,000 reasons why it would be a good idea to become educated so that you could make those sorts of returns a reality.

When you aim for 15–20% (as I do), it means there is no guarantee that you are going to get them each year. When you aim to get greater than average returns, risk is increased but I believe you can lower the risk through “education”, because when you understand what you are doing then you can lower the risk by moving in and out of the market. When the market becomes weak, you can move quickly out onto the sidelines to protect your portfolio against potential downside losses.

I’d like to interview you for my blog, podcast, radio show, etc. How can I do this?

Please use the contact form to submit your request. Please specify:

The topics you’d want to cover in the interview.
The type of media such as newspaper, magazine, radio, or web site.
Where it will be published.
An estimate of your publication’s readership, listeners, or web traffic.
Your deadline if any.
Your contact info.

I love doing interviews, so I usually say yes when I have time to do them. Given a choice, I prefer phone interviews to email interviews because I enjoy the spontaneous back-and-forth interaction, and phone interviews are also a lot faster for me.

I have a special request to make. How can I do this?

Contact me and I’ll see what I can do. Although I unfortunately can’t promise The best thing to do from here is to contact one of my team members to discuss it via telephone. They should then be able to point you in the right direction.

Do you accept speaking engagements?

I do have a lot of experience with public speaking and I do love to speak but unfortunately that does not mean that I accept all speaking requests. When making my decision on whether to consider, it depends what it is, who it is for, when the event takes place, size of audience plus it will all depend on whether or not I can fit it into my schedule. Please visit my Media page for the contact details.