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<title>:Money Matters Newsletter: July 4th, 2010 Update- Truth in What Happened
and What will happen.</title>
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<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> Money Management
Radio [mailto:marc@moneymanagementradio.com] <br>
<b><span style='font-weight:bold'>Sent:</span></b> Sunday, July 04, 2010 11:08
AM<br>
<b><span style='font-weight:bold'>To:</span></b> bayareaprocess@att.net<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] July 4th, 2010 Update- Truth in What Happened and What will happen.</span></font><o:p></o:p></p>
</div>
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<h1><span class=newsletter-name><font size=2 color=black face=Verdana><span
style='font-size:11.0pt;font-family:Verdana;color:black'>Money Matters
Newsletter: </span></font></span><span class=issue-title><font size=2
color=black face=Verdana><span style='font-size:11.0pt;font-family:Verdana;
color:black'>July 4th, 2010 Update- Truth in What Happened and What will
happen.</span></font></span><font size=2 color=black face=Verdana><span
style='font-size:11.0pt;font-family:Verdana;color:black'><o:p></o:p></span></font></h1>
<p><b><i><u><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold;font-style:italic'>Marc's
Notes:</span></font></u></i></b><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black'><br>
<br>
<b><i><u><span style='font-weight:bold;font-style:italic'>Free show update</span></u></i></b>:
Should you stop paying your Home Mortgage" Show 86 is now free for
download under the FREE SHOW tab on the right side menu bar. This was one of
my most popular shows so now you can have it free. <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>On this special day, I bring you truth and
explanations. I wish all of you a great 4th. <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Today we seek to detail what has happened
and what will transpire in the days and weeks to follow. <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>The great transfer of private debt to public
debt sails on. With a world awash in debt in 2007, private entities from
banks to homeowners to businesses find they cannot service the massive amount
of owed money and nature demanded payment or default. Too much debt cannot be
paid back and the world economies start the great deleveraging process.
Nature demands payment and the markets start to deleverage by either default
(not paying) or discounting (selling assets at a discount). This process is
the markets way of clearing out the rot and making way for new growth.
Deleveraging on this scale will cause massive economic pain, with
unemployment, defaults, bankruptcies and human suffering. Unfortunate but
necessary because of the mistakes made in the last 3 decades or more.<br>
World governments refuse to allow this necessary cleansing because of the
misery it will cause so they transfer all private debt to the public through
bailouts, mortgage reductions, free money to the banks and every sort of
program they can think of. <br>
2008 and 2009 mark the largest transfer of private debt to the public.
Private entitles are relieved of their debt by governments use of taxpayer
money, putting the rest of us on the hook for others mistakes. Simply put,
private debt is transferred to the public: you and I.<br>
<br>
Massive deficits are amassed to try and deleverage this debt by transferring
it to us.<br>
Accounting rules are also changed to allow banks to overstate their assets-
“mark to market accounting” is replaced by Enron style “mark to make
believe”. The banks immediate mark up their assets to show massive profits
and start paying themselves bonuses again as the rest of us suffer from their
past economic transgressions.<br>
<br>
The debt has not gone away however! It has only been transferred to the
public. It is still there! And now we have more debt to boot. Governments
everywhere print money like mad, causing markets to rally temporarily into
2010. The debt now has traveled upstream to entire countries. More deficits
are created to try and stave off these entire country defaults. <br>
But the debt is still there! Deleveraging has not been allowed. <br>
<br>
In late spring 2010 (now), the bailout money is spent. Very little debt has
been reduced, only transferred to the taxpayer. The repudiation of debt is
still necessary and since it must happen, it will. Economic figures start to
show the fallacy in the bailouts and markets start to deteriorate as
investors realize the fix has not fixed anything, only prolonged the
inevitable but also amassed even more debt in the process. Now the resulting
deleveraging will be that much worse. <br>
<br>
Many listeners comment that my “fix” of letting everything clear is cold and
not compassionate. There is nothing farther from the truth. I just realize
that by the governments trying to “fix” a natural force of debt repudiation,
they will only make things worse and make it worse for so many more in the
end. When banks, and people and governments spend money foolishly, there is a
penalty to pay. Like life, make a bad decision, and suffer the consequences.
By the Federal Reserve trying to stave off a dotcom crash and further massive
social spending, they drop interest rates to low levels, unnatural levels.
These low levels of interest make money too cheap, at a time when money
should have been expensive. After all, when the dotcom bubble burst, the
investing environment became very risky. When risk rises, so should interest
rates, because when investors are nervous, they tend to want to hold on to
their money, or demand more interest for lending it. But the Federal Reserve
lowered rates, the exact opposite of what they should have done. This
artificial cost of money, now being too low, entices people to borrow money
they shouldn’t have. Then they speculate with it, on houses, on new cars, on
more credit cards. This causes new bubbles, like housing, and do so with out
ever curing the last bubble. In essence, they create bubble after bubble, all
with more and more debt, until finally the debt can no longer be serviced as
massive debt requires massive interest payments. This debt can no longer be
paid for with private money, there is simply not enough of it. The
governments are then forced to just “create” more money to pay off all this
debt. Bu this created money is really just more debt. So the debt alligator
just gets bigger and hungrier and becomes an even greater burden on society
until a point is reached where society is no longer able to feed him and he
devours everything. <br>
<br>
Our Federal Reserve thinks that depressions and recessions are cured by
amassing more debt and spending it, but like an addict, more of the drug may
alleviate the symptoms for a while, but then they return with a vengeance,
requiring even more of the drug to alleviate the symptoms again. If you look
at the amounts of money now being spent, you realize this is just like the
drug addict. The amounts now are getting ridiculous and it can’t continue.
There isn’t enough money in the world to pay this all off (it wont be enough)
but the FEDS think they can continue to administer higher amounts of it,
thinking they just didn’t spend enough the first ten times. Do you see the
fallacy in this thinking?<br>
The example of the drug addict is EXACTLY the best way for you to visualize
the problem. Money (aka debt) IS the problem, and administering more of it
won’t solve the problem. The solution is to PAY OFF DEBT, not make more of
it.<br>
<br>
In defense of the misery to come, keep in mind that during the 1930’s,
charitable donations from individuals actually reached record levels, so
those with money can and do help when things get bad. It may not be all that
is needed, but it does help. The difference is when the private sector (you
and I) donate money, we donate earned money, but when the government does it,
it is just more debt.<br>
<br>
What will follow is more negative news as the world again starts to
deleverage. That will prompt the government to again try and “fix” the
problem with ….more debt. <br>
<br>
Since interest rates are now close to zero, and since they tried to pull back
on their spending programs, they will again try and reinstate many of these
programs yet again, amassing more debt. You may see the symptoms ease once
again and markets start to rise again if and when they announce more bailouts
and programs, but by now you know it will only be temporary. When THAT
spending runs out, we will again find ourselves right where we are now, right
where we were in 2008, only with even MORE DEBT.<br>
<br>
It’s a vicious cycle and will continue as these guys just don’t get it. The
end result will be the “crack up boom” foretold by Ludwig Von Mises, 20th
century economist. Read about it here. (Link).<a
href="http://mises.org/daily/4016">http://mises.org/daily/4016</a><br>
<br>
The governments will continue to create more money through a variety of
programs and what they call “quantitative easing”. Read about it here (Link) <a
href="http://faculty.chicagobooth.edu/john.cochrane/research/Papers/fiscal2.htm">http://faculty.chicagobooth.edu/john.cochrane/research/Papers/fiscal2.htm</a>
and pay close attention to the paragraphs entitled “end game”.<br>
<br>
For now, look at the increasing bad news on housing, unemployment, and other
economic fundamentals that will deteriorate. The market will follow this
negative news with a downward bias. Then look for a new plethora of
explanations and remedies from Washington, all which will cause them to
reinstate past programs and initiate new ones. Look for more unemployment
extensions, more jobs programs, new bank programs and perhaps more aggressive
programs to get money directly into the hands of the public.<br>
More money will be spend, all through the accumulation of more debt, but just
like now, temporary rallies will falter as each new money injection wears
off. <br>
<br>
You will see inflation creeping in slowly. Sandwiches will continue to rise
in price, food will likely creep up, coffee, medical costs, college
tuitions-everything will slowly creep up. In the midst of this, look for more
“for lease” signs, emptier restaurants, falling hotel rates and airline
fares, service industries will suffer, contractors and builders will see
their business slow once again. Those of you with cash will see great buys on
vacations, cars, and other discretionary items. Those on the fringe will find
themselves slowly slipping even farther into the abyss. Dismal? Unfortunately
yes, but don’t shoot the messenger.<br>
This was and will be brought upon you by failed economic beliefs of the
economists and policy makers in Washington. The underclass will clamor for
even more to be done to try and “fix” things, as many are uneducated in the
way money works. Read about it here in the piece “The Deliberate Dumbing Down
of America” (link).http://<a
href="http://www.deliberatedumbingdown.com/pages/book.htm">www.deliberatedumbingdown.com/pages/book.htm<br>
</a><br>
There will be and must be survivors so we can help America recovery and it
will take those with money to accomplish this. This is why you and I and
everyone we can educate must hold onto your money. Don’t let them take it
from you, or we will all join the food lines. Defend yourself and don’t lose
hope. The times ahead will be the most trying of your life. You will see
unbelievable machinations unfolding, and the US CONSTITUTION will be trashed
(as it already has been) and your rights will be slowly taken from you under
the guise of “for the good of the system”. The economically ignorant will
demand you “pay your fair share”. The wealthy and those who have worked hard
for their future will be villanized as capitalistic pigs. Much like Nazi
Germany, you will see more government intervention then you would have
thought possible. The poor will revolt and officials will tremble at the
sight of pitchforks. But all this now must happen to awaken the great spirit
of the free man. It is too late to turn the tides I fear. The amounts are now
too great, the momentum towards socialism too powerful. But I have hope the
free man will prevail again. It is always the same. So explained by Alexander
Tyler, a Scottish history professor at the University of Edinburgh, who had
this to say about the fall of the Athenian Republic some 2,000 years earlier:<br>
“A democracy is always temporary in nature; it simply cannot exist as a
permanent form of government.”<br>
“A democracy will continue to exist up until the time that voters discover
they can vote themselves generous gifts from the public treasury.”<br>
“From that moment on, the majority always vote for the candidates who promise
the most benefits from the public treasury, with the result that every
democracy will finally collapse due to loose fiscal policy, which is always
followed by a dictatorship.”<br>
“The average age of the world’s greatest civilizations from the beginning of
history, has been about 200 years.”<br>
“During those 200 years, those nations always progressed through the
following sequence:<br>
1. From bondage to spiritual faith;<br>
2. From spiritual faith to great courage;<br>
3. From courage to liberty;<br>
4. From liberty to abundance;<br>
5. From abundance to complacency;<br>
6. From complacency to apathy;<br>
7. From apathy to dependence;<br>
8. From dependence back into bondage”<br>
<br>
I only hope my children will witness the first one again when they grow into
adulthood.<br>
<br>
Keep the faith, educate yourself and everyone you know. Copy the Money Matters
shows and give them away. Have more people read these newsletters, and talk
with your family, friends and neighbors about how we can help. Be
compassionate but not foolish with your money. Don’t believe what comes out
of Washington and instead read the signs all around you. Look for truth. It
is out there and will always prevail.<br>
<br>
Marc<br>
<br>
<br>
<br>
<br>
<br>
<br>
<o:p></o:p></span></font></p>
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<p><b><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black;font-weight:bold'>Do Not Reply to newsletter
messages directly.</span></font></b><font size=1 color=black face=Verdana><span
style='font-size:7.0pt;font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Direct all questions or comments to <a
href="mailto:Moneymatters@kvmr.org">Moneymatters@kvmr.org</a>. <br>
All comments or questions must be less then 3 sentences in length and must
not contain any links or articles. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>You can access past updates at: <a
href="http://www.moneymanagementradio.com">http://www.moneymanagementradio.com</a>
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<p><b><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black;font-weight:bold'>Disclaimer:</span></font></b><font
size=1 color=black face=Verdana><span style='font-size:7.0pt;font-family:
Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>The views expressed here are opinions only.
This update does not represent KFOK, KZFR or KVMR FM radios in anyway and
should not be construed as an extension of either station. It is a private
email subscription and is produced by Marc Cuniberti and does not reflect the
views or opinions of the stations, their management, underwriters or members.
All issues regarding this email should be sent to Marc Cuniberti and/or his
agents. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>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. You are responsible for your
investing. Perform due diligence on any firm you plan to send money to. Mr.
Cuniberti makes no claim as to the validity or soundness of any firm or
institution mentioned herein or on any of his publications or shows.
Investing involves risk. You can lose money. Please order up the prospectus
on any and all securities you may be planning to buy and do your own research
before investing. Mr. Cuniberti may or may not hold the securities listed. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>If you wish to send Mr. Cuniberti an email,
please keep your emails to less then 3 sentences and do not ask about
specific holdings you may hold nor ask him to comment on YOUR specific
situation. You may submit general market questions or concerns. He answers
EVERY email sent to him within the confines of these rules. Someone will
respond to your email regardless of what it contains so you will know we
received it. We care about your participation in Money Management Radio and
Money Matters. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>If you like what you hear on Money Matters,
check out what else is happening on your community radio station, KVMR, on
Facebook.com. You'll be kept up to date on special programming, events,
discussion opportunities, and lots more. Go to Facebook and type KVMR in the
search bar. You can become a fan of MONEY MATTERS on Facebook by going to: <a
href="http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money"
title="Facebook Fan Club"></a><a
href="http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money"
title="Facebook Fan Club"></a><u>http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money
</u><o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Produced and Hosted by Marc Cuniberti <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Web Site: <a
href="http://www.moneymanagementradio.com">http://www.moneymanagementradio.com</a><br>
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.<br>
"Money Matters" and "Your Money Matters" is aired
throughout Northern California and the State Capitol. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Marc and Money Matters has been featured on
NBC and ABC television and on various news programs and documentaries.<br>
Northern California's # 1 "alternative" economic show.<br>
"Know the Truth and the Truth Shall Set You Free" John 8:32<br>
Carried on bandwidths: 89.5 105.1 95.1 103.7 90.1 FM Radios throughout
Northern California and the State Capitol.<br>
Worldwide on the web at <a href="http://WWW.KVMR.ORG">KVMR,</a> <a
href="http://kzfr.org/" target="_blank" title="KZFR Radio">KZFR</a> and on <a
href="http://KFOK.org">KFOK</a> FM RADIOS <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Where I buy some of my gold: What I call
“Possession Gold”. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Monex Deposit David Feldberg x 2216<br>
4910 Birch St., Newport Beach Ca 92660<br>
1 (800) 949 4653 (GOLD) ext 2216 You may refer to Marc Cuniberti and Money
Matters and David will know what Marc recommends. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Take delivery and store in a safe place. You
may have 25 % of this amount in silver and the remaining 75% in gold. I
usually buy only generic 1 ounce rounds or ounce bars, no collectibles. You
may buy any 99 % pure gold or silver assets but pay no more then a few
percentage points over spot. Again, buy NO Collectibles, No Margin account,
No Commodity accounts. Take delivery of standard coins only. <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>JH MINT<br>
13241 Grass Valley Ave. <br>
Grass Valley, Ca 95945 (530)273-8175<br>
<br>
(Near the Grass Valley Airport off Loma Rica Road)<br>
<br>
Tell the salesperson you are a Money Matters Listener and you will get
special discounts,(market conditions permitting). Normal Gold prices are
anywhere from 6 to 11% over New York Spot price. If you are selling, you should
get close to spot when you sell. Buy only standard, or popular gold or silver
coins. I do NOT prefer the generics but would rather have you buy Silver
Eagles or bars. When buying silver, the mark up will be a bit higher than
gold. JH Mint posts prices on its board over the sales counter so you can see
spot at any time. I have dealt with JH MINT myself and found them to be easy
to work with. You can pay in cash and you will remain anonymous.<o:p></o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>I usually buy Gold Eagles, Buffalos,
Kruggerands, Silver Maples. Gold Pandas Generic Rounds. Peace Dollars or
Morgans. You may also use my web contact: <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=1 color=black face=Verdana><span
style='font-size:7.0pt;font-family:Verdana;color:black'><o:p> </o:p></span></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'>Follow Marc and Money Matters on <a
href="http://www.facebook.com/topic.php?uid=225256048565&topic=11908#/pages/Money-Matters/225256048565">Facebook</a>.
<o:p></o:p></span></font></p>
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