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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> Sunday, December 30, 2012
11:47 AM<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 Matters last 2012 Update. December 30, 2012</span></font><o:p></o:p></p>
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<h1><span class=issue-title><font size=2 color=black face=Verdana><span
style='font-size:11.0pt;font-family:Verdana;color:black'>Money Matters last
2012 Update. December 30, 2012</span></font></span><font size=2 color=black
face=Verdana><span style='font-size:11.0pt;font-family:Verdana;color:black'><o:p></o:p></span></font></h1>
<div>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Marc’s Notes:<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'>Writing from snow covered Tahoe I want to
wish every one of you the happiest of New Years and hope all of you had a
great holiday and continue to do so into the New Year.<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'>Being my last post of 2012, today’s news of
stalemate on the Fiscal Cliff negotiations is no surprise. Even if they do
reach some sort of last minute deal it will be of no consequence. How could
it be? We owe over 16 trillion as a nation. Add in all of what we owe (as
businesses are required to do on their books) and we owe somewhere in the
area of 80 or 90 trillion with estimates as high as 120 trillion. That is so
much money no one can comprehend it let alone have a chance of even paying
the interest on it, let alone again paying it off!<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>The debt ceiling meanwhile was reached
almost a year early (as I predicted when we raised it last time) and now we
have to deal with that as well. Washington is getting tired of asking for new
credit so now the talk is eliminating the Constitutional requirement of the
ceiling itself and making the new limit unlimited.<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 can I say? Its ridiculous, all of it.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>The numbers are that large.<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 can we look for in the coming weeks? A
deal of some sort to satisfy the media and make the stock market run a tad
but that is all. The real problem is we spend too much and borrow too much
and no one (or few) in Washington has the stomach to deal with it.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Obama doest face re-election so why is he
handing it off to others to “come up with a deal”? It is just plain absent
leadership.<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'>All he wants is more unemployment benefits
(again) higher taxes, bigger government and more regulation. As if we don’t
have enough of all that already.<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'>He also wants the rich to “pay a little
more”. What is his definition of a little more?<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 average family will pay about $3,500.00
more! Low income tax rates DOUBLE and if you happen to make a million or more
a year, you will pay about $250,000.00 more. That’s not the tax, that’s the
increase!<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'>Are you kidding me? At this rate, there will
be no high wage earners anywhere except the super rich of which the new rates
wont affect them much if at all because the super rich can do things to
offset the taxes while the rest of us cannot.<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'>Add in the payroll increases and Obama-care
taxes and you and I are set to have a much smaller paycheck. Inheritance
taxes are set to go to 55 % with the exemption dropping to a million from 5
million. This money is ALREADY taxed so if you have a business you want to
hand off to your kids worth over 1 million the government is set to take more
then half of it.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Assuming a 35 % tax rate on what you paid
while you were alive and it works out to:<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'>Original worth- Lets say 2 million, less 35
% tax you pay while alive = $1,300,000.00<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'>Less 55 % when you die = your kids get
$585,000.00 from a business originally worth 2 million!<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'>More then 70 % of what you worked for goes
to Washington. How can we expect to build a strong country when family
businesses have to be liquidated every generation!<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 is madness and it goes on while the
Federal Reserve gives TRILLIONS to the banking industry to buy their toxic
mortgages while paying themselves huge bonuses.<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'>Sadly the country cannot survive policies
such as these in the current form. We as a nation must face a cataclysmic
economic event before we turn this around. A Greek like moment awaits us with
severe spending cuts and much economic pain. They may stave it off for months
or even years but the math does not lie. The compounding interest, blatant
theft, political lack of will and basic economic truths will eventually force
our hand.<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'>They will not offer a remedy until they have
to and when they have to it will be because the situation is horrendous.<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'>Much pain awaits each and every one of us.
It’s that certain. Do the math yourself. The interest alone cannot be paid
and it’s only a matter of time before a default happens by the US government.
How that default will look is anyone’s guess.<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'>For now, we wait and watch the circus of the
absurd. You must protect yourself by diversifying according to the plan. Keep
listening and reading the material. Get safe and keep stocks, gold, offshore
assets, property, silver, foreign currencies and even cash and savings
accounts. All of that does not guarantee you will keep much of your wealth
but it does give you an advantage over the rest. Having all your money in
stocks and bonds is akin to economic suicide in my opinion. Diversify,
diversify, and diversify.<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 only hope we as a people don’t lose more
of our basic rights and privacy but governments do what they can to protect
themselves and their power over us so I am afraid we will see our basic
rights pared back even further as things get more critical.The good news in
all of this is America will emerge as a stronger nation in the end with sound
monetary policy brought upon us by necessity. If only we can learn the lesson
and pass it on to future generations, something up until this point we have
failed to do. Lets hope we get it right next time around for good.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Our lesson of the day: Profits and security
go hand in hand with education and preparation so get more education then
prepare using that knowledge.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Money Classes are scheduled for January and
consults are available as well. Email me for either. A low cost all woman's
class is being offered through our partner See Jane Do. Here is the link:<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'>See
Jane Do is proud to announce a women's only seminar with financial consultant
and award winning talk show host <a href="http://www.moneymanagementradio.com"
target="_blank" title="http://www.moneymanagementradio.com/" shape=rect>Marc
Cuniberti </a>of KVMR's Money Matters.<br>
<br>
<strong><b><u><font face=Verdana><span style='font-family:Verdana'>Money
Management for Women Part 1</span></font></u></b></strong><o:p></o:p></span></font></p>
<p align=center style='text-align:center'><strong><b><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>Tuesday, January 22nd, 2013 </span></font></b></strong><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><br>
<strong><b><font face=Verdana><span style='font-family:Verdana'>6:00-9:00 PM</span></font></b></strong><o:p></o:p></span></font></p>
<p align=center style='text-align:center'><strong><b><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>Nevada City, CA </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 align=center style='text-align:center'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p align=center style='text-align:center'><strong><b><i><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black;font-style:italic'>"Kudos to Marc Cuniberti for his
informative presentation at See Jane Do's seminar Money Management for Women
today. I feel so empowered to reach my money goals!"</span></font></i></b></strong><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><o:p></o:p></span></font></p>
<p align=center style='text-align:center'><strong><b><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'>~Mary Elizabeth Young</span></font></b></strong><font size=2
color=black face=Verdana><span style='font-size:10.0pt;font-family:Verdana;
color:black'><o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Correctly managing your money is one of the
most important things you can do. Most people spend their whole lives making
money but pay little attention to keeping it, blindly handing it over to a
money manager or spouse to take care of. In today's changing economic world,
that's just not good enough.<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'>In this 3 hour seminar, the mystery of
managing your money yourself is explained in an easy to understand format.
Marc has taught thousands of people just like you to manage their finances
without outside help. It's easy to do and only requires a few hours a year.<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'>Woman can and do manage their own money
successfully all the time whether its because they choose to, are forced to
due the death of a spouse or because they are just living an alternative life
style. Whatever your reason, understanding what money is and where it should
be to protect your future is tantamount to a fulfilling and rewarding life.<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'>In this seminar you will learn:</span></font></b></strong><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>*Marc's Risk and No Risk designation of
where money can be placed<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'>*Why today's economic environment is more
dangerous then ever<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'>*Why it is important to understand exactly where
your money is at all times<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 are stocks, bonds, bank accounts and
other investments?<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'>*Forget watching and worrying. Put your
money on "Autopilot"<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 and who to avoid at all costs<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 to buy, where and from whom<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'>Learn what thousands of people have
learned. You CAN DO THIS and its takes less time then reviewing your cell
phone bill.</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'>When:</span></font></b></strong><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> Tuesday, Jan. 22nd, 2013 6:00-9:00 P.M.<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'>Where:</span></font></b></strong><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> Nevada County Superintendent of Schools Houser
Conference Room<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'>112 Nevada City Highway, Nevada City, CA<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'>Here is the <a
href="http://%20conta.cc/12jvFwt" title="http://%20conta.cc/12jvFwt">link</a>
for more info and to register for the See Jane Do Money Mgmt Class for Women
with Marc Cuniberti:<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'><a
href="http://t.co/OqIIRlD6" target="_blank" title="http://t.co/OqIIRlD6"
data-url="http://conta.cc/12jvFwt">conta.cc/12jvFwt</a><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'>Join us next month by clicking on the link
and signing up!<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Money Matters airs this Thursday Jan 3, 2013
at noon PST on KVMR FM and <a href="http://www.kvmr.org/"
title="http://www.kvmr.org/">www.kvmr.org</a>.<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'>All for now, I will follow it all for you so
stay tuned.<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'>Marc Cuniberti<o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>Bay
Area Process, Inc. encompasses all business related communications and all
communique should be regarded as coming from the corporation of Bay Area
Process Inc.<br>
Pumps, parts, systems. Open 24 hours, 365 days/ week. (800) 326 4039 FAX
(530) 272 2753<br>
MEMBER- KVMR FM RADIO 89.5/105.1 FM and on affiliated stations nationwide on
PRX and Audioport<br>
Money Matters Economic Commentary and News Publications.<o:p></o:p></span></font></p>
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<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
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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. 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></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 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></font></p>
<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
font-family:Verdana;color:black'><br>
"Money Matters" and "Your Money Matters" is aired
throughout Northern California 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>
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></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. or for infomation
on moving money offshore.<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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