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<p><font size=3 color="#ff6600" face="Times New Roman"><span style='font-size:
12.0pt;color:#FF6600'>Nov. 18 (Bloomberg) -- Home prices fell in four out of
every five <st1:country-region w:st="on"><st1:place w:st="on">U.S.</st1:place></st1:country-region>
cities in the third quarter, a record spurred by distressed foreclosure sales
across the country. <o:p></o:p></span></font></p>
<p><font size=3 color="#ff6600" face="Times New Roman"><span style='font-size:
12.0pt;color:#FF6600'>The median price of a <st1:country-region w:st="on">U.S.</st1:country-region>
home declined 9 percent from a year earlier and sales of properties with
mortgages in default accounted for at least a third of all transactions, the <st1:City
w:st="on"><st1:place w:st="on">Chicago-</st1:place></st1:City> based <a
href="http://www.realtor.org" target="_blank"></span></font><font color="#ff6600"><span
style='color:#FF6600'>National Association of Realtors</a> said
today. Prices fell in 120 <st1:country-region w:st="on"><st1:place w:st="on">U.S.</st1:place></st1:country-region>
metropolitan <span class=GramE>areas,</span> rose in 28 and were unchanged in
four, the biggest share of declines in data going back to 1979. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><b style='mso-bidi-font-weight:normal'><i style='mso-bidi-font-style:
normal'><u><font size=2 face=Arial><span style='font-size:10.0pt;font-family:
Arial;font-weight:bold;mso-bidi-font-weight:normal;font-style:italic;
mso-bidi-font-style:normal'>Marc’s Notes:</span></font></u></i></b><font
size=2 face=Arial><span style='font-size:10.0pt;font-family:Arial'><br>
Markets rebounded a tad today. <span class=GramE>Pretty much a technical
bounce, nothing more.</span> Fundamentals remain terrible. Gold is holding up
rather well compared to the Dow.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Interest rates are steady so for now the US dollar seems
safe. Banks continue to reel and housing is in free fall. New home sales are
flat out terrible with existing sales better due to the amount of foreclosures
being bought. Unfortunately the inventory is building up and now stands <span
class=GramE>a</span> 11 month back log. <st1:City w:st="on"><st1:place w:st="on">Normal</st1:place></st1:City>
is about 3 or so. This housing inventory must be sold off before house prices stabilize.
These foreclosures will ADD to the inventory, and although interest rates are
historically good at around 6 %, you now have to qualify. (<span class=GramE>which</span>
is the way is it supposed to be). <span style='mso-spacerun:yes'> </span>With
retail in free fall and the consumer losing his job, I see no good news in the
months ahead for any sort of rebound. Look for more subprime fall out. Citibank
is huge but closing in on the edge of the cliff. I <span class=GramE>cant</span>
say for sure but this failure, if it occurs, will be devastating to the market.
It still has a way to go so we shall see.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>The 3 auto makers went in front of Congress today to go thru
the charade of asking and groveling for money. THEY WILL GET THE MONEY, don’t
kid <span class=GramE>yourself</span>. All this meeting stuff is just posturing
for us. You will see a bailout under the guise of a loan. This is just dead
money thrown in a hole and like <span class=GramE>AIG,</span> they will be back
for more in 6 months or sooner.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>This is really getting to be ridiculous all this money going
out. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>A “stimulus” plan is sure to come, maybe before
Xmas. Congress knows retailers are DEAD this holiday, so is the consumer. As I
said, there is money in the corner shorting retailers, go over and pick it up. Every
single short of retailers I have has at least doubled within days. There is
MORE MONEY to be made as incredible as that seems. GO GET IT!<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>BEARX our contrary fund is up about 20 % in the last month- That’s
why we hold it. Many portfolios I have been seeing are down as much as 40 %. This
was unnecessary as we have been saying to hedge <span class=GramE>( protect</span>
) your stocks and mutual’s with this fund. So those losing money- what
are you waiting for?<span style='mso-spacerun:yes'> </span>You still don’t
believe me? <span class=SpellE>Hummmmm</span>…..<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>You can lead a horse to water but…………………………………<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Anyway, I will do the DIVIDEND PAYER stocks show this
Thursday at noon, barring any major market melt down, which by the way is
entirely possible~!<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><span class=SpellE><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>Itchin</span></font></span><font
size=2 face=Arial><span style='font-size:10.0pt;font-family:Arial'> to trade? <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><span class=GramE><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>USO<span
style='mso-spacerun:yes'> </span>OIL</span></font></span><font size=2
face=Arial><span style='font-size:10.0pt;font-family:Arial'><span
style='mso-spacerun:yes'> </span>downside 50 %<span
style='mso-spacerun:yes'> </span>upside<span
style='mso-spacerun:yes'> </span>300 % or more<span
style='mso-spacerun:yes'> </span>SLV<span
style='mso-spacerun:yes'> </span>downside 50 %<span
style='mso-spacerun:yes'> </span>Upside 1000 % or more ( my
opinion) for a long term trade.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>PFE PFIZER<span style='mso-spacerun:yes'>
</span>paying about 8 %<span style='mso-spacerun:yes'>
</span>B of A<span style='mso-spacerun:yes'> </span>BAC<span
style='mso-spacerun:yes'> </span>paying about 8 %<span
style='mso-spacerun:yes'> </span>Not bad for a blue chip<span
style='mso-spacerun:yes'> </span>PFE definitely <span
class=SpellE>aint</span> going away and I don’t THINK B of A will, so for
long term holds, these might not be bad for your kids long term accounts or
those with long time frames. Keep in mind, more downside may be in play so
tread lightly on anything you buy.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>CGMFX continues its slide. As I said, I now disagree with
the manager’s positions and selling. My hunch appears to be right as the
fund continues to slide.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Uranium is alive!<span
style='mso-spacerun:yes'> </span>Hoorah<span
style='mso-spacerun:yes'> </span>We will see. URPTF is
moving up, up 15 % since we put out that I was buying it at the wiped out price
of 4 (down from 11 where we started looking at it).<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>I averaged down and bought a ton around 4 or so to offset my
buy at 11. (It doubled in 07 but I didn’t sell). Eventually this will be
a big winner as oil is getting scarcer, not more plentiful.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><span class=GramE><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>UNWPX<span
style='mso-spacerun:yes'> </span>down from my buy in at
around 11.</span></font></span><font size=2 face=Arial><span style='font-size:
10.0pt;font-family:Arial'> <span class=GramE>Pays a healthy dividend soon.</span>
This is a precious metals fund. When the dollars burns, this fund should shine.
<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Remember: Invest with sound ideologies and wait for them to
pan out. Some pan out quickly, others take time. But above all, most of your
money for now should be IN THE BANK or short term treasury funds. I hate for
people to lose money.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>NOTE: STAY AWAY FROM BONDS.<span
style='mso-spacerun:yes'> </span>How many times to I have to say it.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>All for now<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Another update tomorrow<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>All the best <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Marc<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'>Do Not Reply to this message directly.<br>
<br>
<span class=GramE>Direct all questions or comments to <font size=4 color=red><span
style='font-size:13.5pt;color:red'><a href="mailto:Moneymatters@kvmr.org"
title="blocked::mailto:Moneymatters@kvmr.org">Moneymatters@kvmr.org</a></span></font>.</span>
<br>
All comments or questions must be less then 3 sentences in length and must not
contain any links or articles.<br>
<br>
You can access past updates at: </span></font><font size=4 color=red><span
style='font-size:13.5pt;color:red'><a
href="http://mailman.jtan.com/pipermail/money-matters-l/"
title="blocked::http://mailman.jtan.com/pipermail/money-matters-l/">http://mailman.jtan.com/pipermail/money-matters-l/</a></span></font><br>
<br>
This article is strictly for informational purposes only. It is not a
solicitation to make any exchange, buy or sell any precious metal products,
commodities, securities, stocks, warrants, options or other financial
instruments. Marc Cuniberti, author of this article, does not accept
culpability for losses and/ or damages arising from the use of this publication
or any information contained herein. Investing involves risk. You can lose
money. Please order up the prospectus on any and all securities you may be<span
class=GramE> planning</span> to buy and do your own research before
investing. Mr. Cuniberti may or may not hold the securities listed.<br>
<br>
Produced and Hosted by Marc Cuniberti<br>
Money Management Radio<br>
"Money Matters"<span class=GramE> and</span> "Your Money
Matters"<br>
<st1:place w:st="on">Northern California</st1:place>'s<span class=GramE>
#</span> 1 "alternative" economic show.<br>
"Know the Truth and the Truth shall set you free".<br>
89.5<span class=GramE> 105.1</span> 95.1 103.7 FM
Radios throughout <st1:place w:st="on">Northern California</st1:place> and the
State Capitol.<br>
<span class=GramE>Worldwide on the web at <a href="http://WWW.KVMR.ORG"
title="blocked::http://www.kvmr.org/">WWW.KVMR.ORG</a> and <a
href="http://www.KFOK.ORG." title="blocked::http://www.kfok.org./"><font color="red"><b>MailScanner has detected a possible fraud attempt from "www.kfok.org." claiming to be</b></font> WWW.KFOK.ORG.</a></span></p>
<font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-family:
"Times New Roman";mso-fareast-font-family:"Times New Roman";mso-ansi-language:
EN-US;mso-fareast-language:EN-US;mso-bidi-language:AR-SA'><o:p></o:p></span></font>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><a href="http://www.KFOK.ORG." title="blocked::http://www.kfok.org./"></o:p></span></font><font
color=black><span style='color:windowtext;text-decoration:none;text-underline:
none'> <o:p></a></span></font></p>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><i><u><font
size=2 face="Times New Roman"><span style='font-size:10.0pt;font-weight:bold;
font-style:italic'><a href="http://www.KFOK.ORG."
title="blocked::http://www.kfok.org./"></span></font></span></span></font></span></span></span></O:P></span></font></o:p></span></font><span class=GramE><font color=black><span
style='color:windowtext'>“Possession Gold” 10%–<font
color=black><span style='color:windowtext;font-weight:normal;font-style:normal;
text-decoration:none;text-underline:none'> Standard Gold Eagles, Buffalos, <span
class=SpellE>Kruggerands, Silver Maples.<font
color=black><span style='color:windowtext;font-weight:normal;font-style:normal;
text-decoration:none;text-underline:none'> <span class=GramE>Gold
Pandas Generic Rounds. Peace Dollars or <span class=SpellE>Morgans.
You may contact:<O:P><font size=3 color=black><span
style='font-size:12.0pt;color:windowtext;font-weight:normal;font-style:normal;
text-decoration:none;text-underline:none'><o:p></a></span></font></u></i></b></p>
<p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><font
size=2 face="Times New Roman"><span style='font-size:10.0pt'><a
href="http://www.KFOK.ORG." title="blocked::http://www.kfok.org./"></span></font></span></span></font></span></font></span></st1:Street></span></st1:City></st1:address></span></span></span></i></b></font></span></span></b></font></span></font><![if !supportLineBreakNewLine]><![endif]></o:p></span></font><span
class=SpellE><font color=black><span style='color:windowtext;text-decoration:
none;text-underline:none'>Monex<font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'> Deposit<font
size=3 color=black><span style='font-size:12.0pt;color:windowtext;text-decoration:
none;text-underline:none'> <font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'>David
Feldberg<span class=GramE> x 2216<br>
<st1:address w:st="on"><st1:Street w:st="on">4910 Birch St., <st1:City
w:st="on">Newport<span class=GramE> Beach
Ca 92660<br>
1 (800) 949 4653<span class=GramE> (GOLD) ext
2216 Refer to Marc Cuniberti and Money Matters for best
pricing/service. Take <b><i><span style='font-weight:bold;font-style:
italic'>delivery <font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'>and store in
a safe place. You may have 25 % of this amount in silver and the
remaining 75% in gold. Buy only generic 1 ounce rounds or ounce bars, <b><span
style='font-weight:bold'>no collectibles<font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'>. You may buy
any 99 % pure gold or silver assets but pay no more then a few dollars over
spot. Again, buy NO Collectibles, No Margin account, No Commodity accounts.
Take delivery of standard coins only.<font size=3 color=black><span
style='font-size:12.0pt;color:windowtext;text-decoration:none;text-underline:
none'><br>
<br>
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<br style='mso-special-character:line-break'>
<br style='mso-special-character:line-break'>
<o:p></a></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><a href="http://www.KFOK.ORG."
title="blocked::http://www.kfok.org./"></o:p></span></font><font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'><o:p> </a></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><a href="http://www.KFOK.ORG."
title="blocked::http://www.kfok.org./"></o:p></span></font><font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'><o:p> </a></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><a href="http://www.KFOK.ORG."
title="blocked::http://www.kfok.org./"></o:p></span></font><font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'><o:p> </a></span></font></p>
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