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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:news@moneymanagementradio.com] <br>
<b><span style='font-weight:bold'>Sent:</span></b> Saturday, February 18, 2012
6:59 PM<br>
<b><span style='font-weight:bold'>To prf client</span></b> <br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Swiss Shuts the Door. Money Matters Update February 28, 2012</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'>Swiss Shuts the
Door. Money Matters Update February 28, 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><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'>Marc’s Notes:</span></font></u></i></b></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'>Welcome new subscribers. Thank you for
supporting KVMR during our membership drive. You will now receive our Money
Matters Update in your email. This is your issue although past readers will
know its just one in an ongoing series.<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'>I have included the four fatal flaws of
investing at the end of this newsletter but first I must update you on news
out of <st1:country-region w:st="on"><st1:place w:st="on">Switzerland</st1:place></st1:country-region>
regarding our annuities.<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'>Listeners to the show will know I have used
these as an easy way to move money offshore. Completely ok for US citizens to
own, denominated in another currency, it gave us an offshore option which
yield dividends, interest and ongoing payments much like a American Annuity
without all the restrictions and fees their US counterparts had.<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'>I suggested you denominate them in Swiss
Francs which subsequently went ballistic, so much so the Swiss National Bank
capped the Francs move a few months back to about 110 or so at it relates to
our dollar. The annuity companies then eliminated the Swiss Franc as an
option. Those who moved on Francs before the restriction as suggested did
great and will probably continue to do so. Those who waited cried in their
soup.<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'>I warned to move on the annuities themselves
quickly as the US government was putting pressure on foreign countries to rat
out tax dodgers using the mighty US dominance to force or “convince” foreign
entities to pass information to the IRS on US citizens with off shore
accounts. “The window would close” I warned and to not delay.<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 the <st1:country-region w:st="on">US</st1:country-region>
noose tightened on legal and illegal investors alike, foreign companies
backed off their <st1:country-region w:st="on">US</st1:country-region>
customers under increasing pressure from the <st1:country-region w:st="on"><st1:place
w:st="on">US</st1:place></st1:country-region>. Under the guise of getting
the tax dodgers, the <st1:country-region w:st="on">US</st1:country-region>
actually put their nose into every aspect of overseas investing whether your
were a tax evader or just an investor looking for some shelter from
increasing <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
interference in your private lives.<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 insurers first raised the minimum
investment in Swiss Annuities from 25k to 50 k, and then they instigated a 5
% fee. The increases were to compensate them for the hassle from US
authorities. Now word out that the window for opening an annuity HAS closed
and not from the <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
side but from the Swiss side. They inform me they are no longer accepting US
clients for our annuities until further notice. They may never 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'>The <st1:country-region w:st="on"><st1:place
w:st="on">US</st1:place></st1:country-region> has gotten that bad. Shades of
imperialistic dynasties in their death throws. Our country is becoming one of
the most controlling and intrusive and need I say more dangerous than ever to
our freedoms. (Just look at the new laws allowing use of the <st1:country-region
w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region> military
on our soil and detention without trial).<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 can literally make you “disappear” if
they so desire and the new law was signed by the majority of <st1:State
w:st="on"><st1:place w:st="on">Washington</st1:place></st1:State> across both
aisles. The commander in chief brought 2011 to a close by signing the 2012
National Defense Authorization Act into law, despite weeks of criticism and
warnings from lawmakers and federal officials concerned over the bill’s
provisions that authorize the U.S. military to indefinitely detain anyone –
including American citizens – suspected of terrorist’s acts inside the United
States. This is getting worse by the day.<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 Money Matters listeners, you still
may be able to get under the March 1, 2012 deadline so says my Swiss contacts
but there are no guarantees. If you wish to try for a Swiss Annuity, the time
to act is NOW. Email me if you want to give it a shot. My broker says he may
be able to get a few under the wire but again we cannot guarantee it. I am
just glad so many of you and me took advantage of these offshore options
while we could. <o:p></o:p></span></font></p>
<p><st1:country-region w:st="on"><st1:place w:st="on"><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>Switzerland</span></font></st1:place></st1:country-region><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> still offers offshore options in other types of
investments such as low minimums with global gold (Hear Money Matters Show
#135) and they do offer managed annuities like investments but the minimums
are much, much higher.<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'>What can I say but I warned 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'>Email me with your questions. For now we
watch the markets climb to 13,000 although the signs are pointing to a fizzle
out soon. <st1:country-region w:st="on"><st1:place w:st="on">Greece</st1:place></st1:country-region>
will get its bailout and it kicks the can a bit farther down the road (same
ol, same ol) but it doesn’t solve anything. The markets will RUN on the <st1:country-region
w:st="on"><st1:place w:st="on">Greece</st1:place></st1:country-region>
bailout but then most likely wilt once reality sets in. Same pattern we have
seen for almost a year 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'>Expect more QE from the Federal Reserve
going into election season. <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, now read the four investment
flaws below and we will talk 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'> <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'>Four Fatal Flaws of
Investors and Advisors:</span></font></u></i></b></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'> <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'> <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>
<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>
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<p><b><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
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<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
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This update does not represent KFOK, KNQY, KZFR or KVMR FM radios in anyway
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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
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investing. Perform due diligence on any firm you plan to send money to. Mr.
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Investing involves risk. You can lose money. Please order up the prospectus
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<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
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Money Management Radio and Money Matters is the sole property of Marc
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"Money Matters" and "Your Money Matters" is aired
throughout <st1:place w:st="on">Northern California</st1:place> and the State
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<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
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<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>
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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
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<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 marc@moneymanagementradio.com.<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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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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