Hey Earl,
create zip folder with the same or shorter title of the report i.e makemoney.zip (which has the pdf in it). Upload the zip folder to your host on your domain name.
This will give it a location like yourdomain.com/makemoney.zip
Simply include that location in your mailing either in plain text or you can send out an html email and create an anchor link
which would look like
<a href="http://www.yourdomain.com/makemoney.zip"> Make Money - Free Report</a>
That should do it
Todd