<html><head></head><body bgcolor="#FFFFFF"><div><br><br>Sent fromM Cuniberti</div><div><br><br></div><blockquote type="cite"><div><b>From:</b> "Money Management Radio" <<a href="mailto:marc@moneymanagementradio.com">marc@moneymanagementradio.com</a>><br><b>Date:</b> December 21, 2011 4:06:16 PM PST<b><br></b></div></blockquote>TO =Perf client<br><blockquote type="cite"><div><b>Subject:</b> <b>[Money Matters Newsletter] Update Dated December 20 2011 Money Class Offered in January for Women.</b><br><br></div></blockquote><div></div><blockquote type="cite"><div><!-- mimemail template -->
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<h1><span class="issue-title">Update Dated December 20 2011 Money Class
Offered in January for Women. </span></h1>
<p><strong><em>Marc’s Notes:</em></strong><br>
The European Central Bank offered up unlimited loans for up to 3 years terms
to those struggling nations across the pond like Greece, Italy and Spain
among others and as usual the markets rallied. These “loans” are just
more of the same and only put off the problem as all previous “fixes”
they have tried. Loans are what they tried before and now they do it again
but loans don’t fix anything. This grand “kick the can” mentality
hasn’t and wont change anything at all.<br>
What do we expect though? Really fixing the Euro problem requires
repudiation of the debt they own and a severe cutback in spending, much like
we here at home require. That remedy is too painful however so politicians
just postpone the solution a while longer by loans, programs, talk and
posture.</p>
<p>Italy, Spain, Portugal and Greece, among the others, and the US by the
way, will just keep digging a bigger debt hole and more loans do not make any
of it go away. That’s like giving my wife more credit cards. It does not
SOLVE the spending problem, it just enables her to make the payments. The
Euro problem is not solved dear reader, it is not an iota better, and will
only get worse. Markets will rally as they are today but reality bites and if
the recent past market action is any clue, it will go right back down again
when investors realize nothing has been solved by loaning more money. That is
what got them into trouble the first time and second time and umpteenth time
and doing more of it does not solve a thing.</p>
<p>Meanwhile homebuilders broke ground of more homes then forecast so the
market picked up on that as well. Read the details however. They were multi
family homes, in other words just RENTALS for all those displaced homeowners.
Since families are losing their homes, they must rent. This is no sign of a
house recovery. Besides, builders always get it wrong anyway. Just look at
how they built right up to the crash that wiped many of them out. These guys
have no clue. By the way, did you know your government gave the big
homebuilders a multi billion dollar bailout a few years back by letting them
get their taxes back? Read the article here and weep. <a href="http://www.istockanalyst.com/article/viewarticle/articleid/3636795">http://www.istockanalyst.com/article/viewarticle/articleid/3636795</a></p>
<p>In the same day, news came out that home prices continue to fall. That is
the real truth behind the spin. Home values will continue down and
inventories of unsold homes will continue to climb no matter what the
homebuilders or the National Association of Realtors try and convince you.
Both of them make money off of new homeowners. I do not so you decide who to
believe.</p>
<p>On the subject of taxing the rich, Washington thinks the “rich” are
anybody making over $250,000 annually. I would say anyone making over 5
million a year annually is more like it. I meet many investor who make 300K
or so a year and are making it but not “rich” by any means. If anything
they have a successful small or medium size business and employ people. They
are the “hope” for America. Don’t take a few thousand from them!</p>
<p>Take the BILLIONS we gave to those homebuilders! Take the billions in
profits from the banks! That’s where the money is! Washington has us
missing the mark and deflecting our anger toward the productive members of
society while giving BILLIONS to those homebuilders, the banks, the IMF
(International Monetary Fund), that “Dollar Swap” you just heard about,
and all those other recipients of the HAMP HARP TARP programs.
BILLIONS if not TRILLIONS to AIG, B of A, Citibank, foreign banks, hedge
funds: You name it. And they want to tax the measly people making a few
hundred grand?!</p>
<p> </p>
<p>INCREDIBLE. The misdirection and spin they throw at us is incredulous.</p>
<p>Do the math. You can tax the people making 300K a year and make a few
billion in tax money, or remove the tax breaks, bailouts and loans to the BIG
CORPORATIONS and save a few TRILLION!</p>
<p>They are deflecting you and trying to confuse you as to who REALLY is
getting richer. Its not the upper middle class here folks, it’s the
HOMEBUILDERS, BANKS, FOREIGN BANKS, AUTO EXECS, CENTRAL BANKERS, CONGRESSMEN
and all who PAY TO PLAY in today’s world. Don’t tax people making under a
million a year. REAM the people who make 5 million a year or more, then get
the real big savings by eliminating bailouts, loans and tax breaks to big
corp.</p>
<p>In other news, Gold and silver have been hammered in a painful rout over
the last few weeks for those owning the metals. Although fundamentals have
not changed for owing these metals, these corrections can be trying for those
not used to volatility. Keep in mind, gold and silver are insurance against a
currency catastrophe. If investors think the economy is recovering, they will
sell gold. Large institutions also gamble billions in the hottest “thing”
and if they perceive gold is losing its allure, they will dump in mass and
move on to the next thing. This can cause massive sell offs and we are seeing
one now.</p>
<p>Investors believing governments will continue to print money and run high
deficits must follow their convictions and continue to buy insurance. That
being said, I am looking to add more silver in the mid to low 20’s, also
adding some gold here and also looking to add more if it goes lower. Gold
could correct as low as $1,200.00 /ounce and still be in a bull market.
Silver could correct to the low 20’s before violating long term
fundamentals signaling its run is over. If you believe the government is
going to keep running deficits and printing money along with all the other
central banks to pay for all their bailouts, then you might consider if you
should be a gold and silver buyer at these lower levels.</p>
<p><strong><em><u>Other news</u></em></strong>- Money Matters is off air
until January. We will be holding our Woman Only Money Classes in January
both weekdays and weekends. Cost is minimal. Email me. Class 2 takes off
where class 1 left off. Gold, what to own, how to set up a stock account, who
and what to avoid at all costs, and more. Class 1 starts you on the road to
understanding money and managing it for the rest of your life. Never be in
the dark again about your money!</p>
<p>All for now except have a great holiday, email me if you have questions or
wish to meet with me and stay frosty!</p>
<p>Remember the reason for the season. God Bless.</p>
<p>Marc</p>
<p>PS: do you think the gold bull is over? Let’s put things in perspective.
Google up a chart of gold over the last 10 years and tell me if the recent
pull back looks significant. Note much more significant pull backs in 2003,
2004,2005, 2006 and 2009.</p>
<p><img src="cid:/C:/DOCUME~1/HP_ADM~1/LOCALS~1/Temp/msohtml1/01/clip_image002.jpg" border="0" height="420" width="500"></p>
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