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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> Tuesday, August 28, 2012 11:14 AM<br><b>To all </b> <br><b>Subject:</b> [Money Matters Newsletter] Pitney Bowes Article by the Fool, Everbank CD No Risk CD and Money Class coming. Update 8 28 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'>Pitney Bowes Article by the Fool, Everbank CD No Risk CD and Money Class coming. Update 8 28 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’ 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'>Here is an interesting article at the end of the update from the Motley Fool on a dividend payer I put out on Twitter I was adding as a bottom fishing expedition. I also added MCP, SLW, EDU and VXX per my email out a few days ago. These have all been beaten up pretty bad so I added them in the last few weeks and they have moved up nicely.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>VXX is an index on volatility and not a company stock so this is strictly a gambling on market movement. I subsequently sold most of it at about an 8 % profit but still hold a few thousand shares. The other stocks above I only added about 5 to 10 K of each. Not a recommendation to buy or sell.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Matters returns to the air September 6th, 2012 at noon after 6 weeks off. I will cover all the market action we missed while on vacation and then the FISCAL CLIFF issue. Tune in for the return!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Now other news:<o:p></o:p></span></p><p align=center style='text-align:center'><strong><i><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:brown'>First off EVERBANK has finally come out with their NO RISK MARKET SAFE EMERGING MARKETS CD based on 4 currencies with you getting all the upside!</span></i></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'>THIS IS IT! The CD for NO RISK people!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I said I would alert you when one I liked was out and it IS!<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Based on 4 currencies (see my link), it’s has a 5 year tie up (make sure you don’t need the funds for 5 years) and pays no interest.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The great parts are you cannot lose a dime (FDIC INSURED) yet you get ALL the appreciation in the 4 currencies unlike some previous Everbank CDs where the upside was capped. This one isn’t. You get it all.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I love this CD and am buying one for my family in a very large amount. I like the fact we cannot lose money yet hedge against a falling dollar and in this market that is exactly what is called for.<o:p></o:p></span></p><p align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Here is the link. Use this if you want to open the CD I am buying.<o:p></o:p></span></p><p align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><a href="https://www.everbank.com/personal/emerging-markets-cd.aspx?referID=13286">https://www.everbank.com/personal/emerging-markets-cd.aspx?referID=13286</a><o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Funds must be in by <strong><span style='font-family:"Verdana","sans-serif"'>SEPTEMBER 12<sup>th</sup> so DON’T DELAY </span></strong>or you will miss it! Remember, many listeners MISSED the last CD and it was over a year and a half until we had another one!<o:p></o:p></span></p><p><strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Money Class 2</span></strong><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'> is September 28<sup>th</sup> at 11:00 am right off highway 20 in Alta Sierra. The enrollment for this class is very small so there should be only a few people in this class. This means I can talk with you up close and personal and I can answer all YOUR questions.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Usually classes have 30 or more people in them. Not this one. It may be under 10. (Don’t know yet). This will be an up close and personal class 2 (take class 1 first). Register now by emailing me.<o:p></o:p></span></p><p><u><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Now on the Fool’s Article: </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'>Chad is a member of The Motley Fool Blog Network -- entries represent the personal opinions of our bloggers and are not formally edited.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Sometimes investors get so enamored with the idea that an industry is dying out, that they forget to check on how long the companies in that industry can survive. I've <a href="http://beta.fool.com/mhenage/2012/07/02/short-sellers-are-going-be-stamped-out/6389/">written before</a> about this phenomenon with <strong><span style='font-family:"Verdana","sans-serif"'>Pitney Bowes</span></strong> (NYSE: <a href="http://caps.fool.com/Ticker/PBI.aspx">PBI</a>). The company has essentially been left as the last man standing in the home and business postage market. While customers can print shipping labels from the U.S. Postal Service web site and have multiple other options, no company has the experience supplying shipping and postage solutions like this 90+ year old company. While the industry is clearly hurting, and physical mail is certainly on the decline, to assume that Pitney Bowes is in trouble misses the mark by a long shot. With the company's most recent <a href="http://idc.api.edgar-online.com/efx_dll/edgarpro.dll?FetchFilingConvPDF1?SessionID=T-DZFyXf1vJ-zjS&ID=8747691">earnings report</a>, investors get another chance to look under the hood of this dividend aristocrat.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>I'll admit up front that the numbers don't look great. Overall revenue was down 5% and EPS was essentially flat year-over-year. By far the company's largest and most profitable division is their SMB Solutions group, which is comprised of their global mailing operations. This is the old-school traditional postage metering and mailing operations that Pitney Bowes is known for. This unit is actually comprised of three sub-sections North America Mailing, International Mailing, and Enterprise Business Solutions.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>It's not a surprise that North America mailing saw a drop in both revenues and profits, but earnings before interest and taxes actually was only down 5%. The International Mailing division surprisingly saw a 1% increase in revenue if you exclude exchange adjustments, but a difficult operating environment caused earnings to drop 19%. Where Enterprise Business Solutions is concerned, while revenues were down 1% excluding currency, earnings actually increased 11% and now represent about 24% of total income for the overall SMB Solutions division. This is good news for Pitney Bowes investors as mailing revenues will likely decline into the future, so the company needs Enterprise Solutions to step up and take the reigns.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The biggest challenge for Pitney Bowes in growing their Enterprise Business Solutions group is this unit is in head-to-head competition with companies like <strong><span style='font-family:"Verdana","sans-serif"'>Xerox</span></strong> (NYSE: <a href="http://caps.fool.com/Ticker/XRX.aspx">XRX</a>), <strong><span style='font-family:"Verdana","sans-serif"'>Hewlett-Packard</span></strong> (NYSE: <a href="http://caps.fool.com/Ticker/HPQ.aspx">HPQ</a>), and <strong><span style='font-family:"Verdana","sans-serif"'>Oracle</span></strong> (NASDAQ: <a href="http://caps.fool.com/Ticker/ORCL.aspx">ORCL</a>). All three of these companies offer solutions to businesses of all sizes to try and help them cut costs, reach their customers more effectively, and increase sales. Of these three competitors, two seem to be in similar situations to Pitney Bowes in the sense that they are fighting to regain lost momentum. Xerox is expected to only see 1% average revenue growth in the next couple of years, while Hewlett-Packard is actually expected to see an average decline of 1.5%. When you compare this to the 2% revenue decline that analysts see for Pitney-Bowes, you can see that things aren't quite as bad as many would predict. In fact, only Oracle can boast revenue growth of 5% or better of these four competitors in the enterprise solutions space. Pitney Bowes is also trying to grow their other divisions to offset the decline in traditional mail processing with their other divisions, but with mixed results.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>The company's Management Services division saw just a 3% decrease in revenue, but earnings dropped by 37%. Pitney Bowes Marketing Services unit saw better results where a 1% decline in revenues turned into a 10% increase in earnings due to expense management. The best performing division was the company's Mail Services division which showed revenue up 5%, but earnings increased over 170% due to the lack of a one-time expense in the prior year. As you can see, though the company's overall results don't scream buy, a better gauge of how the company is doing can be found looking at the company's financials.<o:p></o:p></span></p><p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>One of the primary reasons for investors to consider Pitney Bowes as an investment is the company's financials. With a dividend yield above 11%, the most important reason to buy the stock is the dividend. The company generated $301 million in free cash flow and paid out just $84 million in dividends. With a 27.91% free cash flow payout ratio, investors who are betting against the company need to think long and hard about this number. In addition, the company used some of its cash to retire $400 million in long-term debt, which will cut interest expense going forward. While the company still carries long-term debt of $3.3 billion, clearly the company's free cash flow is sufficient to more than cover interest expense, capital expenditures and more. The company expects revenues to be flat to a decline of 4% next year, but free cash flow should range between $750 million and $850 million. If the company maintains its current payout, this cash flow generation would indicate at worst a 2013 payout ratio of just 44.8%. While turning around a company with this much of their business tied to postage and servicing will be a challenge, Pitney Bowes is still producing significant cash flow. If analysts are correct and the company manages to even increase earnings by 4% as predicted, this story could get real interesting. With investors snapping up shares of high-yield companies, Pitney Bowes is being unfairly punished, and its 11% dividend looks very safe. I would suggest investors do their own research and see if short sellers might be stamped out. </span><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:maroon'> (NOTE: I ADDED PBI this week- M CUNIBERTI) </span><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. 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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>