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<title>:Money Matters Newsletter: Market closes in on Dow 12,000. Franc rises
to new highs. Gold Falls. Update 1/25/2011</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:<st1:PersonName w:st="on">marc@moneymanagementradio.com</st1:PersonName><span
class=GramE>] <br>
<b><span style='font-weight:bold'>Sent</span></b></span><b><span
style='font-weight:bold'>:</span></b> Tuesday, January 25, 2011 7:42 PM<br>
<b><span style='font-weight:bold'>To:</span></b> client<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Market closes in on Dow 12,000. Franc rises to new highs. <st1:place
w:st="on"><st1:PlaceName w:st="on">Gold</st1:PlaceName> <st1:PlaceType w:st="on">Falls</st1:PlaceType></st1:place>.
Update 1/25/2011</span></font><o:p></o:p></p>
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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'>Market closes in on Dow 12,000. Franc rises to new highs. <st1:place
w:st="on"><st1:PlaceName w:st="on">Gold</st1:PlaceName> <st1:PlaceType w:st="on">Falls</st1:PlaceType></st1:place>.
Update 1/25/2011</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 class=MsoNormal style='margin-bottom:12.0pt'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>Margarita
Dinner with me coming! Email me. meet with me, have dinner, all the
Margaritas you can drink and the dinner and ask me what you want. Slots go
fast so email me now. Cost is $199.00 per person and 50.00 to add one person.
Includes dinner and drinks. Email me now to reserve your spot. <img
width=550 height=413 id="_x0000_i1026"
src="cid:71eaf25246e7024dfacea17f18ed9168@moneymanagementradio.com"
alt="Margarita Dinner"><br>
<br>
<b><i><u><span style='font-weight:bold;font-style:italic'>Marc’s Notes:</span></u></i></b><br>
Markets push forward toward Dow 12,000. Driven higher by all this money the
FEDS are creating inflation in all things including stocks. Except housing.
The Case Shiller Home price index is stil plunging. We probably have a long
way to go to return to pre bubble levels. Prices should eventually return to
1999 levels plus or minus inflation so I expect median home prices to drop
from the current high 200,000’s to the high or mid 100,000’s, another 30 to
40 % or more, barring any massive inflation of course. If that happens
housing will catch a bid when Starbucks hits 5 bucks a cup or more. A
possibility to be sure. <br>
For now the big issues are the stock market, inflation, stagflation, interest
rates, unemployment, housing, sovereign debt problems and bonds. Quite a few
issues eh?<br>
I agree but all have their reason for being on our radar. Inflation
because we are seeing it big time and if we continue to see it, that puts an
end to the FEDS money printing. Stagflation because in the face of INFLATION,
the economy is only being supported by government spending and when that
stops the economy will show its true colors. Interest rates because when they
start climbing like they are now, that also puts a halt to FEDS money
printing. Unemployment because we are not told the truth about the real
numbers and the fact is the <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
is not creating good jobs, but just more service and financial jobs. Not a
recipe for a healthy economy. Housing because that is what is dragging the
whole mess down. Sovereign debt problems as entire countries are going broke
because they gorged on house debt and/ or bailed out their banking buddies
and then finally bonds because bonds are debt and there’s way too much of
that floating around. <br>
On the subject of bonds and pensions, I have a friend on a CalStirs pension
and much like many people on Stirs and Pirs, they believe their pension is
guaranteed. He touted the fact that even if the state cant pay, it does have
the power to levy taxes. I guess he hasn’t been reading the news lately.
Previously untouchable pensions from states and cities across the nation and
the world are now being reviewed and ideas like State Bankruptcy and City
Bankruptcy are now being discussed. With no way out and nowhere near the
money to pay what they have promised, states and cities are scrambling to cut
pensions by anyway they can. That means bankruptcy or restructuring, and
although legally not available to some of those entities now, when the
conditions change, they change the rules. Everyone now realizes these
“elected officials” promised more then they could pay and for far too long
and in amounts that stagger the reasonably minded. With literally billions
and billions in promises and coffers ringing hollow, there simply is no
option but a partial renege on pensions. The <st1:country-region w:st="on"><st1:place
w:st="on">U.S.</st1:place></st1:country-region> government has repeated it
won’t bail out cities or states<br>
(something I know they eventually WILL DO), but when they do, it wont come
without a cost. That means the FEDS will probably help but force haircuts and
insist people get fired. The wave of “disappointment” that is coming will
parallel the housing issue and the pleadings from the unfortunate, those
caught in the storm. As cities move towards the unthinkable (possible
bankruptcy or the talk of) muni BONDS, which are their debt (IOU’S) will
plummet in value and drag all bonds with them. Waves of selling will hit
bonds of all types (except <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
short term bonds) and that will cause interest rates to spike. In fact, there
are many things that will push interest rates higher and the muni and state
bond default orgy that is coming is just one in a long line. Bonds are toxic
and we are already seeing that in the bond funds. <br>
Meanwhile the gold and silver correction I warned about over the last 2
months is finally upon us. I bought some gold stocks last week and am buying
more during this correction. It may go lower but this is your opportunity to start
garnering some metals at depressed prices. Those of you that were complaining
it had run up too far to buy can now rest easier. Remember, nothing goes
straight up or straight down. Gold could test 1250.00 or even lower but this
only makes for a buying opportunity. I am adding now for trading on the next
bounce. See the Dream Portfolio (the “more aggressive” section towards
the last page) for gold stocks you can speculate with. Physical gold and
silver should be added anytime regardless of price as it is insurance only. <br>
The Swiss Franc is breaking up through 105! Insane. Those with Swiss
Annuities denominated in Francs will not only get a great profit listed on
your statement soon, you made MORE money in the last week! This really
only means the US dollar is dropping in value and not a healthy sign but at
least those that followed the advice are protecting themselves.<br>
Other holdings include our interest rate funds which are slowly rising, US
bank accounts and Treasuries and CD’s which are SAFE. No word from EVERBANK
on a NO RISK CD so patience please. Gamblers plays include short <st1:country-region
w:st="on"><st1:place w:st="on">China</st1:place></st1:country-region>
fund FXP which is down about 10 % so hold, natural gas which is down
about significantly from our mention of it but HOLD as inflation will grab it
too. Uranium is slowly rising as is oil. Our commodity funds DBC and
DBA are above their 2 year high but still below their high in 2008. HOLD.
Tanker stocks and dividend payers are paying still so HOLD until the cows
come home. Put mental stops on all your stocks where you hold a significant
portion of your wealth in at 20 % or less below today’s levels. Since the
flash crash, remove all automatic stops. Those with the recommended
percentage of dividend payers should hold until you hear from me or mental
stop out 20 % on today’s levels. Those waiting for another EURO short, stay
tuned. Our last Euro short yielded quick gains so we wait to re-enter.
Contrary funds should not be leveraged but continue to hold to protect your
dividend payers.<br>
<br>
All else as usual. We wait for action. Keep in mind insiders are still
selling stock at ratios signaling a crash is ahead, albeit perhaps not a
major one quite yet. A brief selloff is coming but not the big one me thinks.
There is still way too much money flooding out of <st1:State w:st="on"><st1:place
w:st="on">Washington</st1:place></st1:State>. Look for interest rates
spiking, muni bond default news, a new gold rally, and more EURO news for
market movers. Another sovereign default is coming soon. <br>
<br>
The KVMR FM pledge drive is taking place this week on Thursday for 2 hours at
noon, PST. We are doing another Marc's Margarita Money Dinner, where I
buy all the Margaritas you can muster, your dinner, and we can sit and talk
money. This was a huge hit last year so we are offering it again! <br>
<br>
Also available will be access to the Money Matters Website with all my
premade portfolios, all shows, everything at your fingertips. Personal
Consults are offered this show and wont be offered again probably until next
year so grab your spot to meet with me on this show. This may be your last
chance to meet with me in 2011 as I take the summer off. <br>
<br>
You must listen live, no tapes or cds later, but you can email me if you
would like to schedule the dinner or membership all this week at <a
href="mailto:moneymatters@kvmr.org">moneymatters@kvmr.org</a>. Sign up now!<br>
<br>
Donate to KVMR (tax deductible) and here are our thank you gifts.<br>
One ounce gold coins or one ounce silver coins. Market price plus
donation. <br>
<br>
Dinner- $199.00 or 2 people for $249.00 (includes Money Matters T Shirt,
Dinner, all the margaritas you can drink, and lasts about 3 hours)<br>
<br>
Membership to website until the next pledge drive and is called a Money
Matters Member: Includes Access to Web, access to Dream Portfolio and
Super Dividends Payers List thru Website and unlimited access to all Money
Matters Shows $250 <br>
<br>
Subscription to One Year’s Future Shows (between 12 – 20 Show
CDs) $150 <br>
<br>
Marc’s Newsletter $49.<br>
Can’t listen? Email me now a pledge now and reserve your gift before all the
spots are taken. <br>
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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>
<o:p></o:p></span></font></p>
<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.
Some companies mentioned or exhibiting advertisements or banners on Money
Management Radio material may offer a consideration for their advertising
space and/or referrals from such promotions. <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 <st1:place w:st="on">Northern California</st1:place> 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>
<st1:place w:st="on">Northern California</st1:place>'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 <st1:place
w:st="on">Northern California</st1:place> 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 and silver: 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'>Blanchard and Company, Inc.<br>
<st1:address w:st="on"><st1:Street w:st="on">P.O. Box</st1:Street> 61740</st1:address><br>
<st1:City w:st="on"><st1:place w:st="on">New Orleans</st1:place></st1:City>, La
70161-1740<br>
Direct toll free number: (888) 727-7537<br>
Rick Baugnon<br>
<br>
I have probably purchased the most ounces of gold and silver from Blanchard.
Not only do they sell regular coins and bars, they are the only contact on
this e-letter that also can provide you with graded coins and collectible
coins. Although I usually recommend only standard coins, I do own
collectibles as they may help against a confiscation scenario and we need to
be prepared for everything. Please call Rick Baugnon and tell them you are a
Money Matters Listener and he will give you special consideration and he
knows my preferences. Use his direct line above. Rick and I have discussed
Money Matters needs and he knows what to provide.<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>
<st1:address w:st="on"><st1:Street w:st="on">4910 Birch St.</st1:Street>, <st1:City
w:st="on">Newport Beach</st1:City></st1:address> 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'>I usually buy Gold Eagles, Buffalos,
Kruggerands, Silver Maples. Gold Pandas Generic Rounds. Peace Dollars or
Morgans. <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'>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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