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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, April 14, 2012
3:52 PM<br>
<b><span style='font-weight:bold'>To:</span></b> client Perf<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Money Class Information-Please Read.</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 Class
Information-Please Read. </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>
<h1><font size=2 color=black face=Verdana><span style='font-size:11.0pt;
font-family:Verdana;color:black'>Money Class Information. Update April 14,
2012<o:p></o:p></span></font></h1>
<p><strong><b><i><u><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black;font-style:italic'>Marc's
Notes:</span></font></u></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><strong><b><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black'>Special Note: We received our first
registration lot for this upcoming class. The following have signed up so far
as of last week: KM, KS, PS,</span></font></b></strong><strong><b><font
size=2 color=navy face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:navy'> </span></font></b></strong><strong><b><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>WD, and BD. We haven’t checked the box since early last week so
dont panic if your name isnt here but if you havent registered then send in
your registration payment asap so we can get a date going: </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=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black'>Read details below:</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><em><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>The <u>HALF OFF </u>Spring Money class is
filling fast. If you want to attend, send in your check now for $99.00
(that’s half off the $199 fee!) and I also GIVE YOU a copy of the DREAM
PORTFOLIO! We will cover:</span></font></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'>Risk- No Risk 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'>Investing and the Number One Rule<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'>Investment Advisors and what to look for and
look out for. Clues to tell if your advisor is really being straight with 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'>Real Estate<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<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 and Bonds- What to buy and why<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 Bonds and where to buy and why<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'>Percentages of what<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'>Where and when to reload your porfolio<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'>Overseas 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'>Inflation and protecting 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'>How dangerous is this time?<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 should you do<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'>This comprehensive class will give you a new
look at understanding your money. Everyone understands these concepts!<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><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Send in your check to:</span></font></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><em><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Bay Area Process INC, PMB <st1:Street w:st="on"><st1:address
w:st="on">101 578 Sutton Way</st1:address></st1:Street>, <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><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><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>This is class ONE and goes about 3.5 hours
and you get a snack and drink. Bring a note book!</span></font></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><em><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>I will email you a host of dates available
and then we decide what date works for all! It will be in <st1:PlaceName
w:st="on">Grass</st1:PlaceName> <st1:PlaceType w:st="on">Valley</st1:PlaceType>
or <st1:place w:st="on"><st1:PlaceName w:st="on">Nevada</st1:PlaceName> <st1:PlaceType
w:st="on">City</st1:PlaceType></st1:place>. Sign up now!</span></font></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'><img width=550 height=411 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Womans%20Class%202012%203%20.JPG"
style='height:411px;width:550px'><o:p></o:p></span></font></p>
<p><em><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>I have also attached another article I
thought you might enjoy. Also above is the Womans Only Money Class. The
Spring one you are now signing up for is men and women but you also get THE
DREAM PORTFOLIO at no charge!</span></font></i></em><i><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black;font-style:italic'><br>
<em><i><font face=Verdana><span style='font-family:Verdana'>Now send in class
registrations to reserve your spot!</span></font></i></em></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 align=center style='text-align:center'><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'>Rome cometh to America</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'>Many astute economic experts have in recent years
likened present day United States to the decline of the Roman empire and
although many wont go so far as to say we will meet the same fiery end, the
similarities are certainly eye opening. Faced with increasing poverty <st1:City
w:st="on"><st1:place w:st="on">Rome</st1:place></st1:City> slowly debased its
currency over centuries, going from solid silver coins to slowly removing the
metal until their silver coin had very little actual silver in it.<o:p></o:p></span></font></p>
<p><st1:City 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'>Rome</span></font></st1:place></st1:City><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> saw inflation almost continually because of this
currency debasement and you need little imagination to draw the
similarities to our paper dollar today.<o:p></o:p></span></font></p>
<p><st1:City w:st="on"><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black'>Rome</span></font></st1:City><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> also perceived it had barbarians at every gate and
indeed, as it spread its military might throughout <st1:place w:st="on">Europe</st1:place>,
it made many enemies. An ever growing military is expensive and much like
today, government coffers were constantly bled to support its troops abroad.<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'>Restless masses forced Roman governors to
undertake extensive public works projects in an attempt to employ and food
was often distributed gratis or at reduced prices to calm the poor.<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 Roman government slowly but steadily
brought private enterprise under its control and the state became a powerful
employer, standing head and shoulders above the private sector.<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'>Taxation increased steadily to pay for the
ballooning state and its subsequent cost and commerce was increasingly
squeezed of profits by taxation until little remained outside governmental
control.<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'>Individual liberties were slowly
relinquished under the guise of the collective good and the perceived threat
of foreigners at the gate.<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'>Fear of war drove policy and fostered the
will to increase the states control over the populace.<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'>To maintain control, even more control was
initiated under threat of imprisonment and military domination and
subversion.<o:p></o:p></span></font></p>
<p><st1:City 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'>Rome</span></font></st1:place></st1:City><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'>’s armies now threatened its own citizens and all the
while some even called for more control as things grew more out of control.<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 incentive to work or earn was all but
crushed under excessive taxation and governmental intervention. Tax evasion
and black markets surfaced in an effort by the people to survive, and
thousands sought the refuge of other lands, abandoning their beloved home
country for autonomy and a respite from state intrusion.<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'>Government responded with more decrees, more
control and grew even larger, until <st1:City w:st="on"><st1:place w:st="on">Rome</st1:place></st1:City>
finally collapsed from the multitude of its own follies.<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'>Overspending, over militarizing, over
taxation over regulating, debasement of its currency and ever
increasing government destroyed <st1:City w:st="on"><st1:place w:st="on">Rome</st1:place></st1:City>
from within and the barbarians consumed the remains. <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'>This history lesson brings to mind a quote
by Thomas Jefferson:<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 government big enough to give you
everything you want, is strong enough to take everything you have” .<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'>Wake up <st1:country-region w:st="on"><st1:place
w:st="on">America</st1:place></st1:country-region>, its not the Barbarians
at the gate we should fear but those offering to give us everything we want.<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'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>Marc
Cuniberti hosts “Money Matters” on KVMR 89.5 FM Thursdays at
noon.<o:p></o:p></span></font></p>
<p align=center style='text-align:center'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>His
website is <a href="http://www.moneymanagementradio.com/">www.moneymanagementradio.com</a><o:p></o:p></span></font></p>
<p style='margin-left:.25in'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black'>This article
expresses the opinion only of Marc Cuniberti. Mr. Cuniberti holds a degree in
Economics with honors from SDSU and hosts the financial radio show “Money
Matters” on KVMR FM, 89.5 and 105.1. His website is <a
href="http://www.moneymanagementradio.com/">www.moneymanagementradio.com</a>.<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;
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 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,
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><a href="https://www.facebook.com/KVMRFM"
title="https://www.facebook.com/KVMRFM">https://www.facebook.com/KVMRFM</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'>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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