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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> Wednesday, April 04, 2012
9:22 AM<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] Money Matters Airs Tomorrow. Spring Class #1 is half off and almost
full. SIgn up NOW! Update April 4, 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'>Money Matters Airs
Tomorrow. Spring Class #1 is half off and almost full. SIgn up NOW! Update
April 4, 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'>Money Matters Airs tomorrow at noon, PST on
KVMR FM. Topic is “Making Money in a Zero Interest Rate environment”.<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'>My consults from the last pledge drive are
done. I have time if you wish to consult with me. I may not be offering them
or doing the next Spring Drive on KVMR so please email me directly if you
wish to meet. Stay tuned for more information later.<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 Spring special Money Class is offering
HALF OFF. You ALSO get the Dream Portofolio AND a list of dividend paying
stocks! All for half 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'>The spots are filling fast. I have a list of
people that emailed me early on so now send in your check for $99.00 to<o:p></o:p></span></font></p>
<p><st1:Street w:st="on"><st1:address w:st="on"><strong><b><font size=3
color=black face="Courier New"><span style='font-size:12.0pt;font-family:
"Courier New";color:black'>578 Sutton Way</span></font></b></strong></st1:address></st1:Street><strong><b><font
color=black face="Courier New"><span style='font-family:"Courier New";
color:black'>, PMB 101,</span></font></b></strong><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><strong><b><font size=3 color=black face="Courier New"><span
style='font-size:12.0pt;font-family:"Courier New";color:black'>Attention E.
Cuniberti.Grass Valley Ca 95945.</span></font></b></strong><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><strong><b><font size=3 color=black face="Courier New"><span
style='font-size:12.0pt;font-family:"Courier New";color:black'>Make check
payable to Bay Area Process INC.</span></font></b></strong><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'>Payments assures your spot! Don’t wait! Grab
your seat before this offer disappears.<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'>Class will be held in <st1:place w:st="on"><st1:City
w:st="on">Grass Valley</st1:City>, <st1:State w:st="on">Nevada</st1:State></st1:place>
City Area and if you cant make it or don’t go, we will refund your money. You
will be given a select variety of dates to choose from by email. Include your
email on your check or attached 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'>Now for an article on Money Velocity. I hope
you enjoy 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 align=center style='text-align:center'><strong><b><u><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>Money Velocity- by Marc Cuniberti</span></font></u></b></strong><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><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>There is an
interesting thing happening in our <st1:country-region w:st="on"><st1:place
w:st="on">US</st1:place></st1:country-region> monetary machine right now and
it’s probably something that one in million Americans is aware of let alone
understand.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>It has big
ramifications in our economy, all the way down to your job, town or
store.It’s called money velocity and it sounds very complicated but its not.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Money velocity is
how fast money travels around the economy.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Think of it this
way.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Suppose you get your
paycheck and instead of spending it you put it under your mattress.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Since you put the
money away, the velocity of your money is zero. It didn’t go anywhere. It
stayed right where you put it and wasn’t spent.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Now suppose instead
of stashing it, you spent all of it in 5 minutes. In economic terms, the
velocity of your money increased. In essence, your money moved around and
went somewhere as you spent it.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Now take that
concept and think of the whole nation and all the money in it.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Suppose everyone
starts to save money and stops spending. The result would be the money
velocity slows down. Simply put, when we are a nation of savings and
frugality, our money velocity as we measure it is regarded as slow.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Contrast that to if
everyone decided to spend their money quite readily. You go out and buy
something and then the guy you gave your money to goes out and spends it and
then the guy he gave his money to does the same thing. In this scenario the
money velocity is now quite fast. The same currency is spent over and over
again, changing hands as people continue buying things from each other. This
constant stream of spending would be regarded as an increase in the velocity
of money.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Why do measure such
things and why do we care?</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>In good economic
times, people spend money, save less and the velocity picks up. The faster
people spend it, the faster the overall velocity of money in the system. When
money velocity accelerates, business seems brisk and people then spend even
more. The same money now hops from place to place, being quickly spent
by the next person. This increase in velocity also causes prices to rise as
this increase in velocity gives the appearance that there’s lots of money
floating around and economic times are good.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>If this increase in
velocity continues, its drives prices up even faster. This we know as
inflation and in extreme cases of accelerated money velocity, the inflation
it causes can be quite egregious and very damaging to an economy.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>But what happens
when money velocity slows down and why does it occur?</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>When people are
worried about their economic future, they stop spending. Money is stashed away,
people stop buying, business slows down and prices may even start to fall
from the lack of demand. This decrease in velocity means people are saving
more and spending less because of their uncertainty.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>How is our money
velocity right now?</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Slow and getting
slower.</span></font></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><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'>In fact its the
slowest in 53 years</span></font></u></i></b></em><em><b><i><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black;font-weight:bold'>, and that seems strange considering we’re
being told things are improving.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>This statistic leads
us to draw a different conclusion then what we are being told as it relates to
are economy. We are bombarded with economic news that things are improving.
You can also tell me the moon is made of cheese, but being told doesn’t make
it so.</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>The facts tell us
that at this moment in time, <st1:country-region w:st="on"><st1:place w:st="on">US</st1:place></st1:country-region>
money velocity is the slowest it’s been since 1959. That means in light of
the massive money shower flooding out of <st1:State w:st="on"><st1:place
w:st="on">Washington</st1:place></st1:State> as evident by our historic
deficit, people are not still spending but instead sitting on their money.
</span></font></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><em><b><i><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>They are most likely
worried that things may take a turn for the worse, and since money velocity
is a self fulfilling prophesy, according to the money velocity figures
just out, they are about to.</span></font></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><strong><b><i><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black;font-style:italic'>Now
see the graph!</span></font></i></b></strong><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 align=center style='text-align:center'><i><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black;
font-style:italic'><img width=550 height=330 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Money%20Velocity%202012.png"
style='height:330px;width:550px'></span></font></i><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;
font-family:Verdana;color:black'>The views expressed here are opinions only.
This update does not represent KFOK, KNQY, KZFR or KVMR FM or other radio
stations in any way 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,
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<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,
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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'>His newscasts are available nationally at
PRX: http://www.prx.org/users/133307-marccuniberti<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 marc@moneymanagementradio.com.<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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