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</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Money Management Radio [mailto:news@moneymanagementradio.com] <br><b>Sentto you</b> <br><b>Subject:</b> [Money Matters Newsletter] Waiting for Godot. Money Matters airs this Thursday. Market update July 17, 2012<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div id=center><div id=main><div align=center><table class=MsoNormalTable border=0 cellpadding=0 width=660 style='width:495.0pt'><tr><td style='padding:.75pt .75pt .75pt .75pt'><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><img width=660 height=148 id="_x0000_i1025" src="http://moneymanagementradio.com/files/moneymn/shell/simplenews_header-660.jpg"><o:p></o:p></span></p></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black;display:none'><o:p> </o:p></span></p><div align=center><table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=660 style='width:495.0pt;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><span style='font-size:11.0pt;font-family:"Verdana","sans-serif";color:black'>Waiting for Godot. Money Matters airs this Thursday. Market update July 17, 2012</span></span><span style='font-size:11.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></h1><p><em><b><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Marc's Notes:</span></u></b></em><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Matters Airs Thursday at noon on KVMR FM PST.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Well we sit and wait for Sir Ben to speak. He speaks and says nothing so the markets stay flat. He DOES promise us he WILL act if jobs don't somehow pop up some day soon so its pretty much baked into the cake another round of drinks... ugh, I mean "stimulus" or should we just call it what it is, funny money from air to be paid to.... guess who........ the banks of course. That is all these programs are, no matter what they are called. "Asset purchases" just mean the FEDS print up money and buy US Treasury debt and bad mortgages from either the banks or Fannie and Freddie. (The mortgage giants now owned by the Feds.)<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Its just money to buy debt. The buying of bank debt, Fannie and Freddie debt I hate the most as that is just bank bailout pure and simple. If you to want to know when that occurs, just look for term mortgage securities. Thats BAILOUT.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The markets know Ben will act sooner or later so a down market hard is probably not in the cards until he does act. That being said you can start looking into once again nibbling. (dividend payers is what I am considering). Only small amounts though.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I think it is sad we now depend on Bernanke to move markets. Keep in mind thats all he moves with these programs are stocks and interest rates. But only 10% of Americans own stocks, the rich 10 %. Most poor people don't own stocks so they only get stuck with the resulting inflation Ben generates. Thats the unfortunate part. Inflation is sure to pick up quickly if he doles out another program and look to gold to run heavy with the news when it comes. Refinance NOW with dirt cheap rates and contact me if you need a great loan guy! He was FANTASTIC!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Oil is rising again due to Iran issues once more and my UCO covered call position is doing nicely. I also sold calls on CORN (the fund with this symbol CORN). The drought now forces food costs up as well as Ben's printing presses so a double whammy for inflation. Looking to add more PM and AGNC for dividends. Both have done stellar but I am only adding a small amount and still fear a fall market crash if the Euro issue implodes which may happen at any time. GGN and NDRO are still being added for dividends as well as physical gold any time! Stay safe and look to savings, I BONDS, any new EVERBANK Market Safe stuff and similar no risk scenarios! I hate bonds and bond funds however except small amounts of foreign hi grade corporate and government funds, not individual issues though.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I opened up a Canadian Bank account. I might cover that in the show this week so tune in. If you want a contact up there, email me!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I am also looking to Everbank for a new Market Safe No Risk CD but no news yet. They do have a nice account for checking with guaranteed high rates. Here is the speal on that one with link if interested.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Check it out if looking for a bank account with a good rate, called BONUS RATE. Here is their sales speal. (Forgive the sale sounding text).<o:p></o:p></span></p><p><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Here are the details on the Bonus Rate:</span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><ul type=disc><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Bonus Rate increased to 1.25% for 6 months</span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></li><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Money Market Account First Year APY: 1.01% up to $50k </span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></li><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Checking Account First Year APY: 0.93% on accounts with $25k - $50k</span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></li><li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1'><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Eligible Accounts: All NEW Yield Pledge Checking & Money Market Accounts</span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></li></ul><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><br><strong><span style='font-family:"Verdana","sans-serif"'>Even after the bonus rate period has ended, the Yield Pledge promise ensures these accounts will remain in the top 5% of competitive accounts nationwide – always. This consistently offers some of the highest yields in the nation (currently over 7X the national average for money market).</span></strong><o:p></o:p></span></p><p><em><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>You can also</span></b></em><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> deposit checks from your mobile phone! The EverBank mobile banking app allows you to simply snap a photo of your check and send the image to us for deposit. For more information, or to download the app visit: EverBank.com/mobile </span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Use the following links for the Yield Pledge Money Market and Yield Pledge Checking accounts if interested:<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Market:<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><a href="https://www.everbank.com/personal/high-yield-money-market.aspx?referid=13286">https://www.everbank.com/personal/high-yield-money-market.aspx?referid=13286</a><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Checking:<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><a href="https://www.everbank.com/personal/interest-checking.aspx?referid=13286">https://www.everbank.com/personal/interest-checking.aspx?referid=13286</a><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Class: New date in September. If we have your old check or you have signed up at KVMR, note the month and you still are paid up so you can attend. September for Class 1. Date and time coming soon. (New sign ups cost $199.00 each and includes food and drink).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Mail us your payment to PMB 101, 578 Sutton Way Grass Valley Ca 95945. Include your email address and what class (1 or 2) you prefer.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Class 2 is now being scheduled in September as well. (cost $199.00 and ditto above).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Email us who is interested or mail in payment to reserve your spot.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Matters airs next week at noon on KVMR FM and news on Tuesdays at 6.00 as usual. Want to meet? Email me. Golf too! Lets get together!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Now here is an article for your enjoyment and enlightenment. I think you will enjoy this one immensely.<o:p></o:p></span></p><p align=center style='text-align:center'><strong><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>End the Fed</span></u></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I’m not one for believing much of anything the government says anymore and I suspect many people hold that same opinion but we still live in America dear reader and occasionally even they reveal the audacity that has guided our monetary policy by those supposedly working in our best interest.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Forecast by many way back in 1913 when the Federal Reserve act came into law, the resulting organization now run by Ben Bernanke plunders the wealth of society under the guise of saving it. Since its inception, it has successfully destroyed 95 % of the US dollars purchasing power and that lost purchasing power was transferred to the member banks that control it.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Although examples of this grand transfer of wealth saturate its 100 year history, in a report just released by the US Government Accountability Office, it details what some have known for years if not decades. The Federal Reserve System is nothing but grand theft on an unimaginable scale perpetuated on the American public, mirrored by central banks around the globe.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The report explains how and where the more than 4 trillion in low interest and zero cost loans went, each and every dollar of it either paid by you in taxes, or soon to be paid by (as has been the case for decades) in the inflation that is upon us now and about to get a whole lot worse in the months and years to come.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The “loans” were made during and after the crisis to “save the system” and the trail is so rank with the stench of audacity, it makes for difficult reading for anyone paying taxes into this system.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The Federal Reserve Members are bankers of the same mega banks you know and read about, and yes, they control the same institution that is supposed to be controlling them.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The report reveals that more than a dozen of the member banks of the Federal Reserve benefitted from the Federal Reserve bailouts. The report goes on to say that at least 18 current and former directors of the Federal Reserve’s own board saw to it that their own banks were awarded loans at virtually no cost during the height of the crisis that crippled the world economy and thrust millions into poverty. If that’s not enough to make you lose your lunch, consider the Federal Reserve then bought hundreds of billions of dollars’ worth of bad loans from these very same banks (at full value) and still retain those toxic assets at tax payer expense to this day. Adding insult to injury, since the banks sold those bad loans to the Federal Reserves, they then claimed profits in the billions, which reinstated those huge bonuses while the economy continued (and continues) to languish years after the fiasco.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>That the Federal Reserve System gets away with this blatant theft is baffling but it is not going unnoticed. Although the fact that they’ve perpetuated this larceny on us for decades makes for a sad note in American history but the near implosion of the system has finally brought to light the immoral institution that is the Federal Reserve.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>It’s time to end the Federal Reserve and restore America’s money to its rightful and Constitutional owners.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>We, the people of the United States.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>There is proposed legislation to do just that in debate right now.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>(<a href="http://www.ronpaul.com" title=www.ronpaul.com>www.ronpaul.com</a>)<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>This article expresses the opinions of Marc Cuniberti. Mr. Cuniberti hosts “Money Matters” on KVMR FM 89.5 and 105.1 F on Thursdays at noon. He has been featured on NBC and ABC television and on a host of made for TV documentaries for his economic insights. His website is <a href="http://www.moneymanagementradio.com/">www.moneymanagementradio.com</a><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><hr size=1 width="100%" noshade style='color:#DBDBDB' align=center></span></div><p><b><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Do Not Reply to newsletter messages directly.</span></b><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";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></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>You can access past updates at: <a href="http://www.moneymanagementradio.com">http://www.moneymanagementradio.com</a><o:p></o:p></span></p><p><b><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Disclaimer:</span></b><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";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 Bay Area Process Inc. 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></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";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></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";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></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";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></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Produced and Hosted by Marc Cuniberti<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Web Site: <a href="http://www.moneymanagementradio.com">http://www.moneymanagementradio.com</a><o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><br>Money Management Radio and Money Matters is the sole property of Bay Area Process Inc. and all rights are reserved. Money Matters is produced, written and product of Bay Area Process Inc.<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><br>"Money Matters" and "Your Money Matters" is aired throughout Northern California and the State Capitol.<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Marc and Money Matters has been featured on NBC and ABC television and on various news programs and documentaries.<br>Northern California'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 Northern California 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><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:blue'> <a href="http://www.kqny.org">KQNY</a></span><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>, <a href="http://KFOK.org">KFOK</a> FM RADIO and affiliated stations.<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>His newscasts are available nationally at PRX: <a href="http://www.prx.org/users/133307-marccuniberti">http://www.prx.org/users/133307-marccuniberti</a><o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Where I buy some of my gold and silver: What I call “Possession Gold”. See below.<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>At this time, email me if you wish to buy physical gold or silver at <a href="mailto:marc@moneymanagementradio.com">marc@moneymanagementradio.com</a>.<o:p></o:p></span></p><p><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>Follow <em><b><u><span style='font-family:"Verdana","sans-serif"'>Marc Cuniberti</span></u></b></em> on <a href="http://www.twitter.com">Twitter</a> for daily Money Matter updates.<o:p></o:p></span></p></div></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black;display:none'><o:p> </o:p></span></p><div align=center><table class=MsoNormalTable border=0 cellpadding=0 width=660 style='width:495.0pt'><tr><td style='padding:0in 7.5pt 3.75pt 7.5pt'><p class=newsletter-footer align=center style='text-align:center'><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'><a href="http://moneymanagementradio.com/newsletter/confirm/remove/8b23f23f491241t5">Unsubscribe from this newsletter</a><o:p></o:p></span></p><p class=MsoNormal align=center style='text-align:center'><span style='font-size:7.0pt;font-family:"Verdana","sans-serif";color:black'>- - - This is a test version of the newsletter. - - - <o:p></o:p></span></p></td></tr></table></div><p class=MsoNormal><o:p> </o:p></p></div></div></div></body></html>