<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:st1="urn:schemas-microsoft-com:office:smarttags" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=us-ascii">
<meta name=Generator content="Microsoft Word 11 (filtered medium)">
<!--[if !mso]>
<style>
v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style>
<![endif]-->
<title>[Money Matters Newsletter] Join us at class! Money Matters Update
January 13, 2012</title>
<o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags"
name="country-region"/>
<o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags"
name="Street"/>
<o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags"
name="address"/>
<o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags"
name="place"/>
<o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags"
name="PersonName"/>
<!--[if !mso]>
<style>
st1\:*{behavior:url(#default#ieooui) }
</style>
<![endif]-->
<style>
<!--
/* Font Definitions */
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:Verdana;
panose-1:2 11 6 4 3 5 4 4 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman";}
h1
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
text-align:center;
font-size:13.0pt;
font-family:"Times New Roman";
font-weight:normal;}
a:link, span.MsoHyperlink
{color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{color:blue;
text-decoration:underline;}
p
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman";}
p.simplenews-template-content, li.simplenews-template-content, div.simplenews-template-content
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
border:none;
padding:0in;
font-size:12.0pt;
font-family:"Times New Roman";}
p.simplenews-template-footer, li.simplenews-template-footer, div.simplenews-template-footer
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:8.5pt;
font-family:"Times New Roman";}
p.simplenews-template-disclaimer, li.simplenews-template-disclaimer, div.simplenews-template-disclaimer
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:8.5pt;
font-family:"Times New Roman";}
p.text-bold, li.text-bold, div.text-bold
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman";
font-weight:bold;}
p.text-header, li.text-header, div.text-header
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:14.5pt;
font-family:"Times New Roman";
font-weight:bold;}
p.text-indent, li.text-indent, div.text-indent
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:7.5pt;
font-size:12.0pt;
font-family:"Times New Roman";}
p.text-italic, li.text-italic, div.text-italic
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman";
font-style:italic;}
p.text-normal, li.text-normal, div.text-normal
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman";}
p.text-small, li.text-small, div.text-small
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:11.0pt;
font-family:"Times New Roman";}
p.text-subheader, li.text-subheader, div.text-subheader
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:13.0pt;
font-family:"Times New Roman";}
p.text-tiny, li.text-tiny, div.text-tiny
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:9.5pt;
font-family:"Times New Roman";}
p.text-title, li.text-title, div.text-title
{mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:15.5pt;
font-family:"Times New Roman";}
span.EmailStyle33
{mso-style-type:personal-reply;
font-family:Arial;
color:navy;}
@page Section1
{size:8.5in 11.0in;
margin:1.0in 1.25in 1.0in 1.25in;}
div.Section1
{page:Section1;}
-->
</style>
<!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body bgcolor=white lang=EN-US link=blue vlink=blue id=mimemail-body>
<div class=Section1>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<div>
<div class=MsoNormal align=center style='text-align:center'><font size=3
face="Times New Roman"><span style='font-size:12.0pt'>
<hr size=2 width="100%" align=center tabindex=-1>
</span></font></div>
<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:news@moneymanagementradio.com] <br>
<b><span style='font-weight:bold'>Sent:</span></b> Sunday, January 15, 2012
2:51 PM<br>
<b><span style='font-weight:bold'>To:</span></b> perf client<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Join us at class! Money Matters Update January 13, 2012</span></font><o:p></o:p></p>
</div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
<div id=center>
<div id=main>
<div align=center>
<table class=MsoNormalTable border=0 cellpadding=0 width=720 style='width:7.5in'>
<tr>
<td style='padding:.75pt .75pt .75pt .75pt'>
<p class=MsoNormal><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black'><img width=720
height=155 id="_x0000_i1025"
src="http://moneymanagementradio.com/files/moneymn/shell/simplenews_header-720.jpg"><o:p></o:p></span></font></p>
</td>
</tr>
</table>
</div>
<p class=MsoNormal align=center style='text-align:center'><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 align=center>
<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=720
style='width:7.5in;border:solid gray 1.0pt;border-top:none'>
<tr>
<td style='border:none;padding:0in 7.5pt 3.75pt 7.5pt'>
<h1><span class=issue-title><font size=2 color=black face=Verdana><span
style='font-size:11.0pt;font-family:Verdana;color:black'>Join us at class!
Money Matters Update January 13, 2012</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'><img width=550 height=413 id="_x0000_i1026"
src="cid:spe01_10_margaritas_dinner_001.jpg@40923.618641794.769"><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'>Our Money Matters Margarita Dinner! Ah the
memories. Another one may be coming! Keep reading!<o:p></o:p></span></font></p>
<p><em><i><u><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black'>Marc's Notes:</span></font></u></i></em><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'>See Jane Do Woman’s only Money Class
takes place this Monday at 6:00 pm at the Nevada County Board of Realtors
Office across from the old Imaginarium at Gold Flat and <st1:Street w:st="on"><st1:address
w:st="on">Ridge Road</st1:address></st1:Street>. This is Class ONE for woman
that have not attended a Money Class yet or those wishing to return. It goes
3 hours. Bring notebook or laptop to take notes.<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 will cover money, what it is, why it is
important to handle your own, how to handle it, what to buy and what to
avoid, where to buy and why, who and what to avoid, common misconceptions and
mistakes, how to grow your money, how not to lose it, to avoid those trying
to take it from you, and all in under 2 hours a year.<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'>Its important to do it yourself, way less
expensive and easier then you think.<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'>Stop stressing over losing 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'>Have a relative with retirement that
you’re concerned about? Getting an inheritance and don’t know
what to do? This class has nothing to “sell” you unlike other
financial presentations. You will learn the easy tools and finally feel good
about your money and your safety. Email me to sign up. Class TWO is schedule
for January 30<sup>th</sup> during the day. Cost is minimal.<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'>Money Matters Airs next Thursday January 19<sup>th</sup>,
2012 at noon Pacific Time on KVMR 89.5 or 105.1 FM or world wide in the web.<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'>Interested in saving our parks? Stop the
budget cuts to our kids outdoor playgrounds? They always cut what hurts the
most instead of cutting worthless bureaucracy. Stop the madness. Sign the
petition here:<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'><a
href="http://yubariver.org/2011/12/south-yuba-river-citizens-league-launches-grassroots-effort-to-save-local-state-parks-over-2500-have-signed-petitions-and-letters-to-governor-brown-in-just-one-week/"
title="http://yubariver.org/2011/12/south-yuba-river-citizens-league-launches-grassroots-effort-to-save-local-state-parks-over-2500-have-signed-petitions-and-letters-to-governor-brown-in-just-one-week/">http://yubariver.org/2011/12/south-yuba-river-citizens-league-launches-grassroots-effort-to-save-local-state-parks-over-2500-have-signed-petitions-and-letters-to-governor-brown-in-just-one-week/</a><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><em><b><i><u><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Markets:</span></font></u></i></b></em><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><br>
Meandering up and away. Investors like shoppers over the holidays are
suffering a case of severe delusion, ignoring economic fundamentals like
public government spending is trumping private spending. Basically the
government is replacing the consumer who is pulling back. We can see this in
sky high deficits and public work projects designed to spend money where the
private sector wont. The biggest governmental supplement is in housing of
course as program after program takes on the risk of home mortgages, something
the private sector is unwilling too. In other words, nobody wants to lend on
housing because it’s still falling. Since banks still hold millions of
homes both in mortgages and foreclosures, falling home prices mean failing
banks, the real reason for all these programs. By propping up home prices and
applying government guarantees to all those mortgages, the banks don’t
fail, plainly put. A masked bank bailout and haven’t we had enough of
those already?<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'>Shoppers meanwhile took to aisles in
December racking up hundreds of dollars on things they don’t need with
money they don’t have. Credit increased in the latest figure the most
since 1993!<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'>Its my opinion from talking with people they
have basically given up trying to save money. There is little interest paid on
savings accounts and stocks are just to crazy. Bonds are no better so the
American consumer is saying “Aw what the hell, can’t make any
money or save it, I might as well spend it and enjoy life”.<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'>A dangerous precedent brought on by the
ultra low interest rates from the Federal Reserve. These low interest rates
entice people to borrow more and spend more. Then the interest is collected
by you know who… the banks. They get money from the Feds at almost zero
percent and charge us ten times that or more on credit cards. The poor folks
you see in line on Black Thursday usually buy almost everything on credit,
further enslaving themselves to their banking masters. A shameful way to run
a country that was once the economic powerhouse of the world.<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'>Meanwhile the US dollar swap agreement you
may have heard about in the news last month is basically the <st1:country-region
w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region> using your
tax dollars to trade US dollars for Euro dollars. Euro dollars are dropping
in value so countries over there need our dollars to pay their bills and we get
stuck with those dropping Euro dollars. Since the swap, our
“investment” has lost billions in value, billions we could have
used to keep our parks open, employ OUR people, feed OUR hungry. Instead
because the Euro banking system is as close to bankrupt as you can get, they
suck off the blood of us. Not that we don’t have problems and debt
already!<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'>A shameful way to run a country that was
once the economic powerhouse of the world.<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 for what to expect, don’t believe
the spin claiming a recovery is in the making. If it was, your Federal
Reserve wouldn’t have come out and said just THIS WEEK that more
Quantitative Easing might be coming. (Something I just about guaranteed would
come way back when the last one ended). If the economy was truly recovering,
why would they be prepping us for 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'>The reason is they know the Euro issue is
just like the last crisis and has the potential for causing another domino
like blow up. When the defaults start in <st1:place w:st="on">Europe</st1:place>,
look for a series of news items detailing banking stress over there, then
spreading over here. Then look for more bailouts 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'>Gold meanwhile may finally have ended its
correction. We recommended last week looking at GDXJ for gold mining exposure
and to always consider adding physical gold and silver during its
correction. We will see if we are now in a new leg UP for gold.<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 Payers List was update last week
and is available on the website now.<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 for some past payers, Terra Nitrogen TNH
went skyward again into the 190’s, We first recommended it way back in
single digits. Wow, what a ride.<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 dropped Frontline Shipping FRO and
replaced it with an old favorite Golar GLNG which has risen four fold into
the low 40’s. Another wild ride.<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'>Our Twitter recommendation (follow me there
for daily market updates) Apple was a buy at 365 just a few weeks back and
now sits at 420. Set a stop somewhere in the low 400’s to protect you.<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'>Natural Gas is still nowhere and this years
old holding is been a real dog. This gamblers play has been one of our worst
along with rare earth stocks. I still hold them but shake my head every
morning I see no movement. Gamblers plays should however be SMALL amounts
only!<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'>Our interest rate fund TBT has also been
hammered horribly and we had no way of knowing the FEDS would monkey with
long term rates with their Operation Twist among other manipulations and be
successful for so long. I must hold this fund however as interest rate
increases will happen as soon as the deficit gets to critical mass. I cannot
bring myself to sell this insurance.<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'>Word out this morning overseas inflation is
bad and getting worse. No surprise there.<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 now have a 5 % load up
front. Not good news but still worth the fee. It’s just keeps getting
harder and harder to move money offshore and didn’t I warn you it would
be. Email me for a free booklet. I just opened a sizeable one last month for
my family and paid the fee.<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 like the Union articles I write I
would appreciate it if you email the editor and tell him so.<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'>KVMR membership drive coming next month.
Stay tuned.<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 for now, have to drive kids to school.
Thanks to all of you for supporting all of us here at the station and who
help bring Money Matters to the world.<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>
<div>
<div class=MsoNormal align=center style='text-align:center'><font size=1
color=black face=Verdana><span style='font-size:7.0pt;font-family:Verdana;
color:black'>
<hr size=1 width="100%" noshade color="#dbdbdb" align=center>
</span></font></div>
<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><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, 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;
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">
</a><u><a
href="http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money">http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money</a></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><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”. See below.<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'>At this time, email me if you wish to buy
physical gold or silver at <st1:PersonName w:st="on">marc@moneymanagementradio.com</st1:PersonName>.<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>
</div>
</td>
</tr>
</table>
<!-- /simplenews header --><!-- simplenews footer --></div>
<p class=MsoNormal align=center style='text-align:center'><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 align=center>
<table class=MsoNormalTable border=0 cellpadding=0 width=720 style='width:7.5in'>
<tr>
<td style='padding:0in 7.5pt 3.75pt 7.5pt'>
<p align=center style='text-align:center'><font size=1 color=black
face=Verdana><span style='font-size:7.0pt;font-family:Verdana;color:black'><a
href="http://moneymanagementradio.com/%21confirm_unsubscribe_url">Unsubscribe
from this newsletter</a><o:p></o:p></span></font></p>
<p class=MsoNormal align=center style='text-align:center'><font size=1
color=black face=Verdana><span style='font-size:7.0pt;font-family:Verdana;
color:black'>- - - This is a test version of the newsletter. - - - <o:p></o:p></span></font></p>
</td>
</tr>
</table>
<!-- /simplenews footer --></div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
</div>
</div>
<!-- /mimemail template --></div>
</body>
</html>