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<div class=Section1>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><img width=720 height=155 id="_x0000_i1031"
src="cid:image001.jpg@01CC8674.F353DE70"><o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>________________________________________<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>From: Money Management Radio [mailto:<st1:PersonName w:st="on">marc@moneymanagementradio.com</st1:PersonName>]
<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Sent: Sunday, October 09, 2011 11:13 AM<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>To: bayareaprocess@att.net<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Subject: [Money Matters Newsletter] Markets Still Dangerous if not more
so. <span class=SpellE><span class=GramE>Currrent</span></span><span
class=GramE> Market News and <st1:country-region w:st="on"><st1:place w:st="on">Turkey</st1:place></st1:country-region>
Matters.</span> Update October 9, 2011<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><span class=GramE><font size=2 face="Arial Narrow"><span
style='font-size:11.0pt'>Markets Still Dangerous if not more so.</span></font></span>
<span class=SpellE><span class=GramE>Currrent</span></span><span class=GramE>
Market News and <st1:country-region w:st="on"><st1:place w:st="on">Turkey</st1:place></st1:country-region>
Matters.</span> Update October 9, 2011<o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Marc's Notes:<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Markets continue to oscillate bouncing from 10,000 into the 11,000
range depicting a bear-bull battle which will resolve itself in due time.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>This recent volatility indicates a market in distress and caution is
advised.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Gold, silver, oil, foreign currencies and just about everything else is
bouncing around like a ping pong ball and <span class=GramE>its</span>
impossible to tell what will happen next in any of these markets.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I am comfortable adding physical gold and silver as the reasons for
owning them has not changed one iota.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Swiss Annuities are also a good choice for me and I am looking to
adding another policy in Swedish <span class=SpellE>Krona</span> now that the Swiss
Franc is no longer available at this time. I suspect in time the Swiss Franc
will be available again but for now it is not due to Swiss Bank intervention to
stem its awesome rise. I am also considering Aussie dollars.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>The annuity people (<st1:PersonName w:st="on">info@swissadvantage.com</st1:PersonName>)
also offer gold and silver storage in <st1:country-region w:st="on"><st1:place
w:st="on">Switzerland</st1:place></st1:country-region> and this is also a
consideration for me in the future.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>As for stocks, I would only add the biggest name dividend payers at
this time. They are the first dozen or <span class=GramE>so on</span> my Super
Dividend Payers List. They will most likely fall in a market drop but the
bigger names usually fare better in market routs then the smaller ones.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I updated both the Dream Portfolio and the Super Dividend Payers List
recently so members can download those updates at no cost to be sure you have
the most recent issues.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Euro problems look much like the house mortgage securities issue we saw
in 2008. This could be the newest cause of a banking problem and recent news
items point to more confusion on how to handle the issue.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Debt never goes away and unless <st1:country-region w:st="on"><st1:place
w:st="on">Greece</st1:place></st1:country-region> and others default or
partially default, the problem will persist. Central banks will try and <span
class=SpellE>bandaid</span> over the problem with more loans but that <span
class=GramE>wont</span> solve anything. Greece citizens are already protesting
over what cuts they have made and those very cuts are causing their economy to
get even worse, further crippling their ability to pay off what it owes. A
viscous downward spiral where cutting government spending to get financially
sound causes a drop in the economy which then reduces government income which
then makes their financial situation even more precarious.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Other nations will face the same conundrum. There are no easy answers.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I heard a great quote last weekend from an experienced businessman who
said: “Problems have solutions but predicaments only have outcomes”.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I would call the world’s debt woes a predicament with no solution.
Therefore we will see the outcome eventually and it probably <span class=GramE>wont</span>
be pretty.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>On other news, I wrote an article for the <st1:place w:st="on">UNION</st1:place>
last week on inflation. A reader wrote a letter to the editor stating my figure
on unleaded gas prices was incorrect when I said gas saw a 45 % increase since
August of 2010. He claimed I winged the figure and it only increased 25 %. A
short look at the unleaded price chart proves my figures were accurate and
prices have actually increased more then 45 % and remain there today, He should
have checked HIS figures. I suspect the reader was unfamiliar with reading
price charts.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Here is the actual link to the chart. See for yourself. <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><a
href="http://finance.yahoo.com/echarts?s=%5EDJUBRBTR+Interactive#symbol=^djubrbtr;range=2y;compare=;indicator=volume;charttype=area;crosshair=on;ohlcvalues=0;logscale=off;source">http://finance.yahoo.com/echarts?s=%5EDJUBRBTR+Interactive#symbol=^djubrbtr;range=2y;compare=;indicator=volume;charttype=area;crosshair=on;ohlcvalues=0;logscale=off;source</a>=;<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Sometimes it amazes me how some people refuse to accept the fact that
we are in a bad state and the news is not always rosy. I would say “don’t shoot
the messenger”.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I am just reporting what I see.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>For now, new shows and updates and newscasts have been posted.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I continue to lean toward just cash positions now and I stick to the
holdings spelled out in the Dream Portfolio.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>No show this week but a membership drive is coming the last week of
this month so get ready to rumble.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Email me with question and requests for lunch if you want to meet with
me.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>All for now,<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Marc<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>PS: I got a new IPHONE and am still learning it. I accidently deleted
some messages for people wanting to meet with me. If I didn’t respond, please
resend your email.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'> <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Turkey Matters, our “match your funds” food program is now ON! <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I will match your funds for the Nevada County Food banks to buy <st1:country-region
w:st="on"><st1:place w:st="on">Turkeys</st1:place></st1:country-region> for the
needy. Send all checks to:<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Marc Cuniberti<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>PMB 101<span class=GramE> (</span>MUST SAY PMB, not post office
box) <o:p></o:p></span></font></p>
<p class=MsoPlainText><st1:Street w:st="on"><st1:address w:st="on"><span
class=GramE><font size=2 face="Arial Narrow"><span style='font-size:11.0pt'>578
Sutton Way</span></font></span></st1:address></st1:Street><span class=GramE>,
<st1:place w:st="on"><st1:PlaceName w:st="on">Grass</st1:PlaceName> <st1:PlaceType
w:st="on">Valley</st1:PlaceType></st1:place>, Ca 95945.</span> <o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Make the check out to the food bank of your choice, either the
Interfaith Food Ministries or the Nevada County Food Bank. I will double your
check with my own money.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Let’s help feed the needy with <st1:country-region w:st="on"><st1:place
w:st="on">Turkey</st1:place></st1:country-region> this Thanksgiving! Your
dinner will never <span class=GramE>be better knowing</span> you helped feed
literally thousands as we did last year. Send in your check now.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Last year we bought over 700 turkeys. That’s probably feeding close to
2000 people!<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'> <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'> <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'> <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'> <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>________________________________________<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Do Not Reply to newsletter messages directly. <o:p></o:p></span></font></p>
<p class=MsoPlainText><span class=GramE><font size=2 face="Arial Narrow"><span
style='font-size:11.0pt'>Direct all questions or comments to
Moneymatters@kvmr.org.</span></font></span> <o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>You can access past updates at: http://www.moneymanagementradio.com <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Disclaimer: <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>The views expressed here are opinions only. This update does not
represent KFOK, KNQY, 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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>If you like what you hear on Money Matters, check out what else is
happening on your community radio station, KVMR, on <span class=GramE>Facebook.com.</span>
You'll be kept up to date on special programming, events, discussion
opportunities, and lots more. Go to <span class=SpellE>Facebook</span> and type
KVMR in the search bar. You can become a fan of MONEY MATTERS on <span
class=SpellE>Facebook</span> by going to:
http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Produced and Hosted by Marc Cuniberti <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Web Site: http://www.moneymanagementradio.com <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>"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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Marc and Money Matters <span class=GramE>has</span> been featured on
NBC and ABC television and on various news programs and documentaries.<o:p></o:p></span></font></p>
<p class=MsoPlainText><st1:place w:st="on"><span class=GramE><font size=2
face="Arial Narrow"><span style='font-size:11.0pt'>Northern California</span></font></span></st1:place><span
class=GramE>'s # 1 "alternative" economic show.</span><o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>"Know the Truth and the Truth Shall Set You Free" John 8:32<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Carried on bandwidths: 89.5 105.1 95.1 103.7 90.1 91.9 FM Radios
throughout <st1:place w:st="on">Northern California</st1:place> and the State
Capitol.<o:p></o:p></span></font></p>
<p class=MsoPlainText><span class=GramE><font size=2 face="Arial Narrow"><span
style='font-size:11.0pt'>Worldwide on the web at KVMR, KZFR, KQNY, KFOK FM
RADIO and affiliated stations.</span></font></span> <o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Where I buy some of my gold and silver: What I call “Possession Gold”. <o:p></o:p></span></font></p>
<p class=MsoPlainText><span class=SpellE><font size=2 face="Arial Narrow"><span
style='font-size:11.0pt'>Monex</span></font></span> Deposit David
Feldberg x 2216 <o:p></o:p></p>
<p class=MsoPlainText><st1:address w:st="on"><st1:Street w:st="on"><font
size=2 face="Arial Narrow"><span style='font-size:11.0pt'>4910 Birch St.</span></font></st1:Street>,
<st1:City w:st="on">Newport Beach</st1:City></st1:address> Ca 92660 <o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>(800) 949 4653 (GOLD) ext 2216 <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>You may refer to Marc Cuniberti and Money Matters and David will know
what Marc recommends. <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>I usually buy Gold Eagles, Buffalos, <span class=SpellE>Kruggerands</span>,
<span class=GramE>Silver</span> Maples. <span class=GramE>Gold Pandas Generic
Rounds.</span> Peace Dollars or <span class=SpellE>Morgans</span>. <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Blanchard and Company, Inc.<o:p></o:p></span></font></p>
<p class=MsoPlainText><st1:address w:st="on"><st1:Street w:st="on"><font
size=2 face="Arial Narrow"><span style='font-size:11.0pt'>P.O. Box</span></font></st1:Street>
61740</st1:address><o:p></o:p></p>
<p class=MsoPlainText><st1:City w:st="on"><st1:place w:st="on"><font size=2
face="Arial Narrow"><span style='font-size:11.0pt'>New Orleans</span></font></st1:place></st1:City>,
La 70161-1740<o:p></o:p></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Direct toll free number: (888) 727-7537<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Rick Baugnon- (Please ask for Rich only as he knows what Marc <span
class=SpellE>recomends</span>) <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>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 class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Follow Marc Cuniberti on Twitter for daily Money Matter updates. <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>Unsubscribe from this newsletter<o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'>- - - This is a test version of the newsletter. - - - <o:p></o:p></span></font></p>
<p class=MsoPlainText><font size=2 face="Arial Narrow"><span style='font-size:
11.0pt'><o:p></o:p></span></font></p>
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