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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>Sent:</b> Friday, July 27, 2012 5:28 PM<br><b>To:</b> u my friend YOU!<br><b>Subject:</b> [Money Matters Newsletter] Markets Smell Bernanke Coming! Update July 27th, 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'>Markets Smell Bernanke Coming! Update July 27th, 2012</span></span><span style='font-size:11.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></h1><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'>Markets Smell Bernanke Coming! Market update July 27, 2012<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><img id="_x0000_i1026" src="http://moneymanagementradio.com/files/moneymn/editor/12-02-13_Fed_balance_sheet.png"><o:p></o:p></span></p><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'>Hey look at that chart! Look normal in any way, shape or form to you? This is a hundred year chart by the way! That spike is all the garbage mortgages your money bought and are now warehoused at the Federal Reserve! They paid FULL PRICE for most of it and bought much of it from Goldman, JP, Citi, B of A, Wells and Fannie and Freddie. Oh yea, hundreds of billions went to foreign banks and firms as well! And now Ben plans to buy even more! Yeah Ben, Go buddy! But wait! Isn't the economy still muddling along? Do we not need more help? Lets look at the stock market where the very rich have their money shall we?<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Wow, look at the rally! Bad news is good news now and with bad economic stats recently in the news and the Euro problems getting worse, the markets go UP! Now we are sure Ben Bernanke of the Federal Reserve will save us from ourselves.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The “fixers’ are going to fix things again, the very things they broke, but who is keeping track anyway?<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If only the fixers would leave things alone it would fix itself with banks going under, bad investments giving it good to their investors, CEO’s would do jail time, and Mr. Market would teach who has it coming to take their medicine.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If the fixers would have just not fixed us good, we would be a growing economy with cheap houses, smarter banks and businesses, better cars and lower prices for all. Sure, it was going to be a bit nasty but it would have been over and we would be well on our way to a brighter future with low debt levels with leaner and meaner banks and businesses.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Instead the fixers fixed their “friends” only and now the “fix” is in for good for the rest of us.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Saddled now with unbelievable debt and a bi-polar market coupled with inflation, we are basically broken almost beyond repair. But wait, those “fixers” promise us they will really fix it this time, just another turn of the screw, another spoonful of medicine, another whiff of the elixir, and everything will just “catch” and the momentum will make fields of jelly beans everywhere. The unemployed will magically find jobs created by the FEDS and the deficits will disappear! We will all have our homes go up again and the US will again be on top of the world.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Just trust us! One more “fix” will do it this time. “We promise!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>And so it goes. Get ready for Helicopter Ben to gas up the Hueys and load the pallets of paper dollars to spew forth from every nook to every cranny.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>More money, much more money! Give more to banks and make sure those foreign banks get some! Let’s also drop interest rates even lower than the dirt they are in and force your grandmother to take her money out of the bank and GAMBLE WITH IT in our illustrious stock market that we all know is as safe as bank vaults!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>So everybody get ready now! Ben is coming, Ben is coming! Load up! Load up! (Jesting here).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>So gold is sniffing Ben’s odor and foreign currencies are too. Both inch up in breathless anticipation! Stocks are in the gate, trotted there by those banks and brokerages you all love and they have harnessed them to run at the command “QE!”<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Ben will not disappoint me thinks. There too many counting on it now, Any “non fix” would result in a collective “AW SH-T!” and them hills would be run for!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Heaven forbid, the markets would crash! You can’t disappoint now Ben! Imagine the damage your “no fix” would be!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>So come the August month, look up to the skies and listen for the sound of whirling presses. Ben will come. Resurrected in a grand QE 3 or version thereof.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Like the grand resurrection of the Jesus, 3 times, 3 days the charm. And if 3 won’t do it, let there be 4 then 5, then 6, until it’s fixed for good. And that’s what I fear. The “for good” part.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Gold, oil, dividend payers, foreign currencies, offshore money and even offshore property, with a garden, some friends and fine wine. Sounds good to me.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Onward my friends. Stay the course and stay close. Buy local and support your community, family and friends. It’s all we may have in the long run.<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><em><b><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>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'>I opened up a Canadian Bank account. 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.Check it out if looking for a bank account with a good rate, called BONUS RATE. (Forgive the sale sounding text).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Here are the details on the Bonus Rate:<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>• Bonus Rate increased to 1.25% for 6 months<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>• Money Market Account First Year APY: 1.01% up to $50k<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>• Checking Account First Year APY: 0.93% on accounts with $25k - $50k<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>• Eligible Accounts: All NEW Yield Pledge Checking & Money Market Accounts<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>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).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>You can also 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 for deposit. Real cool!<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><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:maroon'><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></span></u><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'>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"><span style='color:maroon'>https://www.everbank.com/personal/interest-checking.aspx?referid=13286</span></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><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Class 2</span></u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> is now being offered! September 28<sup>th</sup>, 2012. 11.00 am in Alta Sierra by Grass Valley.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If you have taken Class 1 and now want to attend Class 2, please email me ASAP! This class will be a smaller setting and take place where Class 1 left off.<o:p></o:p></span></p><p><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>We will cover in greater detail:</span></u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Real Estate, Offshore Money, Swiss Annuities, How to open a Canadian Bank Account.</span></u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> (We may also plan a group trip there to get everyone who is interested up there and at the right bank! We will also make hotel reservations if you like). We will also go over more <u>gold questions, Apple questions, stock brokerage issues, opening a brokerage account,</u> AND take as many questions as you have in the time allowed. This smaller setting allows me to talk more personably with those attending and answer specific questions. I will also be open to any and all questions in this smaller setting.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Email us NOW to sign up.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Cost is $199.00 per person and includes lunch. Don’t wait. I assume this class will fill up as they all usually do.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>New date for Class 1 is not set yet so stay tuned. If we have your old check or you have signed up at KVMR, you still are paid up so you can attend.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Class 1 date and time coming soon so stay tuned to this email. (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'>If you just want to sign up, then 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 and include your EMAIL ADDRESS on the check. Either class is $199.00 per person. First come, first serve.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Golf too! Let’s get together! Email me to talk shop on the course instead of in class.<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><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p align=center style='text-align:center'><em><b><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Managing Your Own Investments - You Can Do it</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'> <o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>In our Money Matters investor seminars, we teach investors that handling their own money is not only the most prudent way to keep more of it by avoiding all those fees and sales commissions full service brokers charge you, it can also be more rewarding in many ways.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Not paying your hard earned money in fees to someone else obviously leaves more for you and your family. It also makes more money available to take advantage of the magic of compounding.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Doing some simple math, if you retain that 6 % yourself instead of paying it to your broker in management fees, $10,000.00 saved (which can be only a few years worth of fees otherwise paid to him) will grow into $20,000.00 in a mere 12 years. Hold it 12 more years and you’re looking at $40,000.00 you made for yourself instead of giving it to that “advisor” who simply may buy some mutual fund he was told to sell you picked from some corporate memo he got during his sales trip to that fancy hotel all you “clients” paid for.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Not only will the money you save continue to compound, the longer you manage your own funds, the more you will save, and the more it compounds. Add up a few decades worth of those “fees’ and you could be looking at a few hundred thousand going into your pocket instead of paying for those fancy suits and snazzy offices.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Managing your money is actually fairly easy once you grasp the basics and that “mystique” of stock and fund selection becomes a bit clearer with a few simple hours of the right study. Common sense has more to do with it then you might think and I sum this concept up by having investors go through the following exercise.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If losing money is the most important aspect of investing (and it is in my opinion and the opinion of one of Wall Streets most successful investors, Warren Buffet) ask yourself which is more likely to lose money: some fund you’ve never heard of or some household name every one knows.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>During our classes, I will pick out some investor portfolio and read off one of their holdings. You can do this yourself among your friends. Ask a few people if they’ve ever heard of one the funds that your advisor sold you. (While you’re at it, call your advisor and ask him how much he charged you in commissions, loads and sales fees to buy that fund).<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If you’re like most investors, your friends will answer “no, we’ve never heard of that fund”.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Then ask them if they’ve ever heard of Campbell Soup, Exxon, Johnson and Johnson, DuPont, Verizon, Coca Cola or Pepsi.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>If your friends live on the planet Earth, chances are they’ll nod and say “of course!”<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>This exercise illustrates the simplicity that common sense provides which will start you on your way to successful investing. Although not a recommendation to buy these stocks nor any stock just based on a name (although I own many in my own account), the companies that make the common things everyone buys, uses and recognizes can be a good place to start looking for where to place your money.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>As an added bonus, many of these household names also pay healthy dividends to boot. (Regular cash payments to anyone who holds their stock). Do your stocks and funds pay you cash every so often as a thank you gift? Ask your advisor how many of his “selections” pay 4 % or more each and every year. A stock that pays you dividends can make a sideways market very profitable compared to those go-nowhere mutual funds that just grind up and down for years with no real gains.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>You probably already know that the stock market is in about the same place it was over 11 years ago. Have your mutual funds languished in a decade long “go-nowhere” limbo? If you’re like most investors I’ve talked to, probably.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Hold for the long term he says? I don’t know how much long I have left in my term.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>In conclusion, brokers and advisors don’t make their money on clients that manage their own account so they strive to keep you in the dark as to the magical ways they handle your money. In reality, you can probably do as well or better doing it yourself if you’re willing to spend a few hours learning the ropes. After all, they’re just ropes, not magic wands, as some would lead you to believe.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Have more questions; feel free to email me at <a href="mailto:marc@moneymanagementradio.com">marc@moneymanagementradio.com</a>.<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" title=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><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. It is a private email subscription and is produced by Bay Area Process Inc. 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 is the sole property of Bay Area Process Inc. and all rights are reserved. Money Matters is produced and written at KVMR FM in Nevada City and all related information given under Money Matters is through KVMR FM Radio.<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>. or for infomation on moving money offshore.<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>