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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<span class=GramE>] <br>
<b><span style='font-weight:bold'>Sent</span></b></span><b><span
style='font-weight:bold'>:</span></b> Tuesday, November 01, 2011 5:53 PM<br>
<b><span style='font-weight:bold'>To:</span></b> <span class=SpellE>perf</span>
client<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Welcome New Update Readers to the Money Matters Update! Update
11/1/11 (Had to do that!)</span></font><o:p></o:p></p>
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<h1><span class=issue-title><font size=2 color=black face=Verdana><span
style='font-size:11.0pt;font-family:Verdana;color:black'>Welcome New Update
Readers to the Money Matters Update! Update 11/1/11 (Had to do that!)</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><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <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'>Welcome new readers!<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'>Thanks for helping out our great station
KVMR. Here is your first copy of our newsletter, the Money Matters Update.
You will receive this periodically and more often if market conditions
warrant explanation.<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'>At the end of this newsletter you will find
the four faults of investing. This makes interesting reading and sets you on
the right course to learn about money and how to make more of, keep it,
handle it and manage it.<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'>Once again, thanks so much for your support,
now on to the markets.<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'>Marc’s notes on the markets:<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 Dow is diving again from the 12,000’s
into the 11,000 range, probably driving you crazy if you have money in it.
For a long time now I have been advising people to have most of their money
in NO RISK investments, which are places where the zeros can never change,
like banks accounts, Treasury bills and NO RISK cds and investments.<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'>These will never lose their numbers (but may
lose their purchasing value thru inflation). Since the “crisis” never really
went away but just was delayed thru massive money printing by that 1 %
everyone is mad at, when they stop printing, bad things happen. So for now
(and for the last 7 years) it’s about the return OF your money, not the
return ON it.<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'>Hence keep most of your funds SAFE in NO
RISK investments.<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'>We have a new one for you that are <st1:country-region
w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region> government
insured and you can look into them at <a href="http://www.treasurydirect.gov/">www.treasurydirect.gov</a>.
They are I BONDS and they pay 1.53 % at this time with full principal
protection. You have to hold them for a 5 years or forfeit some interest but
it’s minimal. Read the website and check them out. They pay better than a
savings account. There is a maximum of $5,000.00 per social security number
but right now you can double that by buying what they call a “Paper I Bond”
also up to a $5k maximum, so that’s $10,000.00 per social security number. A
NO RISK investment that pays and I like that.<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'>As far as the markets, The Euro Greek
problem persists and plainly put, <st1:country-region w:st="on"><st1:place
w:st="on">Greece</st1:place></st1:country-region> owes more then it makes
and need loans. The IMF and the other nations around them must pony up to
help but those other nations don’t like it much. You also pay as the <st1:country-region
w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region> is about a
third of the IMF. Yes, we pay for <st1:country-region w:st="on"><st1:place
w:st="on">Greece</st1:place></st1:country-region>’s bailout as well. How do
you like them apples? <st1:country-region w:st="on"><st1:place w:st="on">Greece</st1:place></st1:country-region>
will eventually default either entirely or partially anyway so this package
is a bunch of hooey.<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 Dow looks to soften some with bad
economic numbers not getting any better. Manufacturing is down, consumer
confidence is down and real estate continues to plummet lower. I see no
reason for long term stock growth at this time. From a chartist standpoint
(technical), a stock market fall looks to occur soon.<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'>No one can say for sure.<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'>Gold and silver- Keep adding physical gold
and silver for insurance only. Don’t plan to make money on it. You may but
that’s not why I hold it. Contacts for gold and silver are at the end of this
newsletter.<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'>Dividend Paying stocks- Yes, up to 10 % of
your wealth. Add slowly over months, even years. Use only the biggest ones on
the Super Dividend List at this time. They are the household names you know
and are the first 15 or so on my list. You can lose money in these if the
stock markets fall as most stocks move together, up, down, sideways.<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'>Swiss Annuities are an offshore option for those
looking to move money “outta hya!”<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'>Punch on the Swiss Advantage Banner on the
website for information. I am buying another one right NOW based on Norwegian
Currency as Swiss Francs are closed at this time. I sent my check with my
application last week.<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'>Gold and silver stocks are speculations but
should be held. See the Dream Portfolio for a few suggestions or look thru
past newsletters.<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'>That’s all for now. Expect markets to follow
the news but I see no reason for the Dow to push to new highs and many for it
to fall. Expect more “announcements” from the FEDS on housing, money printing
programs, asset purchases and more stimulus. More of the same. More debt.
Blah Blah Blah.<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'>Now onto the <st1:country-region w:st="on"><st1:place
w:st="on">Turkeys</st1:place></st1:country-region>.<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'>
</span></font><strong><b><u><font size=2 color="#993300" face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:#993300;background:lime;
mso-highlight:lime'>Turkey Matters,</span></font></u></b></strong><em><i><font
size=2 color="#993300" face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:#993300;background:lime;mso-highlight:lime'> our “match your
funds” food program is now ON! </span></font></i></em><font size=2
color="#993300" face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:#993300;background:lime;mso-highlight:lime'><o:p></o:p></span></font></p>
<p align=center style='text-align:center'><em><i><font size=2 color="#993300"
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:#993300;
background:lime;mso-highlight:lime'>I will match your funds for the <st1:PlaceName
w:st="on">Nevada</st1:PlaceName> <st1:PlaceType w:st="on">County</st1:PlaceType>
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:</span></font></i></em><font size=2
color="#993300" face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:#993300;background:lime;mso-highlight:lime'><br>
<br>
<em><i><font face=Verdana><span style='font-family:Verdana'>Marc Cuniberti</span></font></i></em><i><span
style='font-style:italic'><br>
<em><i><font face=Verdana><span style='font-family:Verdana'>PMB 101<span
class=GramE> (</span>MUST SAY PMB, not post office box) </span></font></i></em><br>
<st1:Street w:st="on"><st1:address w:st="on"><em><i><font face=Verdana><span
style='font-family:Verdana'>578 Sutton Way</span></font></i></em></st1:address></st1:Street><em><i><font
face=Verdana><span style='font-family:Verdana'>, <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></font></i></em><br>
<br>
<em><i><font face=Verdana><span style='font-family:Verdana'>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.</span></font></i></em><br>
<em><i><font face=Verdana><span style='font-family:Verdana'>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.</span></font></i></em><br>
<em><i><font face=Verdana><span style='font-family:Verdana'>Last year we
bought over 700 turkeys. That’s probably feeding close to 2000 people!</span></font></i></em></span></i></span></font><font
size=2 color="#993300" face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:#993300'><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'> <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'>Finally, as promised, the four fatal flaws
of investing:<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'>Four Fatal Flaws of Investors and Advisors:<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'> <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'>Fatal Flaws #1:<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'>Buy and hold.<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'>Buy and hold works fine in up markets, but
so does a monkey with a dart and a wall street journal. Statistically, it’s
been proven time and time again, advisors and the best of money managers
don’t beat a dart board or the market indexes in an up market. In an up
market ALL STOCKS go up. Buy and hold works fine in an up market but in a
down market, DOES NOT. Don’t believe me? Look at your statement in the last
crash. I saw and have seen hundreds if not thousands of statements. They all
hold mutual funds and every kind of stock known to man. In the last market
crash, they were ALL DOWN. Buy and hold is like an umbrella that only works
in the sun. In the rain, it doesn’t work, and if buy and hold doesn’t work in
down markets, IT DOESN’T WORK! You found that out with millions of
other investors. So if you advisor or firm is like any other advisor or firm,
you bought and held all the way down. Buy and hold doesn’t work, doesn’t
protect you and is MADNESS in the markets we have today.<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'> <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'>Fatal Flaw #2:<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'>Markets also go up over the long haul.<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'>If you believe this you simply haven’t
looked at history, nor haven’t studied past markets nor have any idea what US
DOLLAR purchasing power is. I can show you decades of US stock market charts
that show NO GROWTH over 10, 12 or 15 years. Just look at the last
decade for your most recent example. Dow 11750 in the year 2000, DOW 11700 or
so in 2011. ELEVEN YEARS.<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 most recent 10 years shows less than
ZERO GROWTH and actually a 30 % LOSS or more if you factor in US dollar
purchasing value lost. That doesn’t include losses from inflation,
otherwise known as dollar purchasing value loss.<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'> <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'>Use inflation adjustments over the last
century and the <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
stock market has done little better then a no risk US BANK ACCOUNT. There is
one difference however and that is bank account are guaranteed NOT TO LOSE
value, and also no loss of sleep by you. Markets in true value do not go up
over the long haul and especially now, this thinking is a sure way to more
losses down the road.<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'> <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'>Fatal Flaw #3:<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'>No exit or sell point.<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'>Most investors and advisors, believing
markets always go up over the long term and always come back, don’t have an
exit point.<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'>In other words, at what point do you sell
out?<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'>They do not have an absolute point of loss,
or SELL conviction point.<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'>It should be either percentage wise or a
preset DOW level.<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'>Most investors and advisors think that when
they are down 5 or 10 %, they are not down far enough and refuse to sell.
That mindset continues until they are down about 30 % or more.<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'>Then the mindset changes from you are not
down far enough to you are down to far to sell. Let me tell you one thing
right now. You’re lucky the markets stopped where they did in 2009. If the
government hadn’t stepped in and literally poured trillions into the market,
your firm or advisor or money manager, believing markets always come back,
would have ridden it AND YOU all the way down.<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'>Then the SELL point does arise in an investors
mind by default and under duress.<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'>That “capitulation” point is usually down
around a 75 or 80 % loss. Investors then panic and want to get out with at
least something and a climax selling point is reached.<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'>That’s when everyone sells. It’s called the
climax bottom, and strangely enough, that’s where you should actually be
buying.<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'>Like I said, your lucky the market stopped
where it did.<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'>So I want you to ask your self, did your
advisor call you and say sell? Did your firm sell all your holdings somewhere
down the slide? Did you sell?<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'>Because if they didn’t, or you didn’t, then
you fit this fault to a “T “. <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'>You NEVER HAD an exit strategy, they never
had a fire door out, they never really had a plan, and you never had a
chance. And that’s where all your money is, your retirement is, based
on a game of chance. Don’t take that chance again. Plan an exit point and
stick to it.<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'>.<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'>Fatal Flaw #4:<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'>Owning a basket full of mutual funds is
diversified.<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'>Do you believe owning a basket full of
mutual funds and or bonds or a combination of both is diversified? If your
portfolio owns only mutual funds, money market funds and bonds, you are about
as diversified as a wall painted white.<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'>If you own a basket full of mutual funds,
why is that <em><b><i><u><font face=Verdana><span style='font-family:Verdana;
font-weight:bold'>not</span></font></u></i></b></em> diversified? Well what
do you all own?<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'>All stocks! <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'>And which way does the market have to go for
you to make money?<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'>UP.<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'>And if you own all <st1:country-region
w:st="on">US</st1:country-region> stocks, the <st1:country-region w:st="on"><st1:place
w:st="on">US</st1:place></st1:country-region> market has to go up. And
remember, even if you own foreign stocks, ALL STOCKS except contrary stocks,
stocks that move in opposite of the market, go DOWN.<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'>If you own one stock or one mutual fund or a
HUNDRED, if the stock market falls, ALL STOCKS GO DOWN, no matter what
company they are, no matter country they are in, no matter how big the mutual
fund is.<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'>In the last market downturn, and indeed in
major future market wipe outs, ALL STOCKS GO DOWN.<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'>So even if you own a zillion mutual funds,
if the stock market crashes, YOU CRASH WITH IT. True diversification should
be balanced.<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'>If something goes down, something goes up
right. After all, diversification MEANS BALANCED. And it doesn’t mean owning
a basket of mutual funds, that all depend on a rising stock market, that all
depend on an UP market.<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'>If your portfolio from John Jones or Merrill
Lehman or Infidelity or John Smutz or your financial advisor holds all bonds
and stocks, then again, you are EXACTLY in what I am specifically warning you
<em><b><i><u><font face=Verdana><span style='font-family:Verdana;font-weight:
bold'>against. </span></font></u></i></b></em><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'>You are so NOT diversified. If what you hold
sounds like exactly what I just mentioned, you don’t have a financial
advisor, you have your life savings invested with someone that not in
the least bit understands what investing is really about, what protecting you
is about, what diversification is really about.<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'>And one more fatal flaw in their investing
strategy: You know how much I recommend and like dividend payers. Well
first off, I am advising that you only have a very small portion of your
money in stocks, and its not because of the market specifically, but because
you should not have a big portion of your money in any one asset. True
diversification means owning many other things BESIDES stocks. Think of a
centipede with many legs. Only one leg should be a stock leg. The other legs
are just as easy to own but protect you in so many other ways. These other
“legs” don’t listen to, nor care about a stock market crash. You
should also be in foreign currencies, some savings accounts, some overseas
bonds, some gold and silver, real estate, some stocks that go UP in down
markets, some foreign bonds, some overseas accounts: basically many, many
different areas, and again, only a small portion in stocks. Furthermore, when
you DO own stocks, almost ALL your stocks should pay you interest or
dividends in my opinion.<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'>Why? If investor A owns a stock that pays 10
% interest or dividends, and investor B owns a mutual fund that pays you
nothing, (like most mutual funds), which way does the market have to go for
investor B to make money?<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'>UP!<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'>But if you are getting paid interest or
dividends of 10 % (for example), you make 10% while the other investor makes
nothing. Compound that over 10 years and investor A makes 2.5 times the money
investor B makes, even if the market goes nowhere!<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'> <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'>And remember, since all stocks move
together, dividend stocks will likely go up just like the non dividend payers
will if the market takes off.<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'>18 % dividends will quadruple your money in
4 years while others sit waiting for the market to go up.<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'>Did you double your money in the last 4
years? Did you quadruple your money in the last 8? If you are sitting in non
paying mutual funds waiting for the market to go up, your probably going to
be waiting a long time. That’s why this DREAM PORTFOLIO may hold the key to
much greater success, safety and returns then any other investment plan and
why its worth considering.<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'> <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 four fatal flaws once again.<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'>Buy and hold works - it does not.<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'>Stocks always go up in the long run - no
they do not.<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'>No exit strategy- make one.<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'>Holding a basket of mutual funds it
diversified- no it is not. See the DREAM PORTFOLIO.<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'> <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'>And don’t forget our WOMENS ONLY Money Class
to be held November 29<sup>th</sup> . Email me for details or see the
SEEJANEDO Website!<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'> <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'>Good Hunting,<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'>Marc<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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <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'> <o:p></o:p></span></font></p>
<div>
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color=black face=Verdana><span style='font-size:7.0pt;font-family:Verdana;
color:black'>
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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, 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><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;
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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>
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font-family:Verdana;color:black'>If you like what you hear on Money Matters,
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<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>
<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'><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 91.9 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>,</span></font><font
size=1 color=blue face=Verdana><span style='font-size:7.0pt;font-family:Verdana;
color:blue'> <a href="http://www.kqny.org">KQNY</a></span></font><font
size=1 color=black face=Verdana><span style='font-size:7.0pt;font-family:
Verdana;color:black'>, <a href="http://KFOK.org">KFOK</a> FM RADIO and
affiliated stations. <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'>Monex Deposit David Feldberg x
2216 <br>
4910 Birch <st1:place w:st="on">St.</st1:place>, Newport Beach Ca 92660 <br>
(800) 949 4653 (GOLD) ext 2216 <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 may refer to Marc Cuniberti and Money
Matters and David will know what Marc recommends. <br>
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. <br>
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><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- (Please ask for Rich only as he knows what Marc recomends) <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'>Follow <em><b><i><u><font face=Verdana><span
style='font-family:Verdana;font-weight:bold'>Marc Cuniberti</span></font></u></i></b></em>
on <a href="http://www.twitter.com">Twitter</a> for daily Money Matter
updates. <o:p></o:p></span></font></p>
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