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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, January 27, 2013
2:23 PM<br>
<b><span style='font-weight:bold'>To:</span></b> "perf client”<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Interest rates start to rise, Apple stock a mess, stocks rally,
Money classes and more. Update January 27, 2013</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'>Interest rates start
to rise, Apple stock a mess, stocks rally, Money classes and more. Update
January 27, 2013</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>
<p><b><i><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black;font-weight:bold;font-style:italic'><img
width=361 height=450 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Retro-Black-And-White-Man-Talking-Into-A-Microphone.jpg"></span></font></i></b><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'> <o:p></o:p></span></font></p>
<p><strong><b><i><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana;color:black;font-style:italic'>Marc’s
notes,</span></font></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><u><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Well first lets get to business:</span></font></u><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'>All Money Matters shows are posted on the
website Moneymanagementradio.com for your download! Check it out.
Newscasts are there to and changed weekly or 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 Woman’s only discounted See Jane Do
class was a great success. We are now asking those who attended to email us
if interested in Class 2 which takes up where Class 1 left 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'>Email me quick so we can get a date. Cost
not announced yet but it will be affordable.<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'>Those who attended or anyone who has ever
attended one of my classes get more than half off a personal sit down with me
where I look at YOUR particular situation. I also buy the meal. Email me now
for an appt of if you have questions.<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'>Never attended a class but thinking about
it? Learn about stocks, bonds, gold, real estate, rental properties, lots,
inheritance and more. Or do you wish to meet with me one on one? Email for
that too. I have time this month in the mornings so get crackin’.<o:p></o:p></span></font></p>
<p><em><b><i><u><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Markets:</span></font></u></i></b></em><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Euro news is still in the news but slowly
being shuffled under the rug. Keep in mind all central bank programs are
BAILOUTS that are paid from either taxes or through inflation. ALL PROGRAMS.<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'>So the news media knows some of us realize
this and aim to keep bank press OUT of the news and instead distract you with
stimulus talk, fiscal this or that banter and stock market babble.<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'>Meanwhile in the back rooms they talk debt
ceiling increases that include meaningless deals in spending and then trumpet
some “deal” that allows for more borrowing but addresses nothing in substance
to get the US financial situation under control. With trillions in debt and
more planned every day, no amount of new taxes will correct a compounding
problem that gets worse by the day. About 4 billion worse every day is what
we overspend. Yikes! That’s insanity with many zeros on 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'>So the Dow plows slowly higher but wait, a
new crack in the financial system is appearing and that is that INTEREST
RATES are creeping up. Although the FEDS are attempting to keep them
near zero, we are seeing rates rise and quite quickly. This happened numerous
times before in the last few years only to return back down. This time could
be for real but only time will tell.<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 have been reading some serious sources
warning of a bond crash being imminent but again, no one really knows. I do
have a position betting on a JUNK BOND fall through SJB. You gamblers out
there could consider this. For the buy and hold investor, you too can wager a
small amount on this fund to hedge against a rise in interest rates which is
also better recognized as INFLATION.<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'>On the subject of inflation, realize it
comes with an economic recovery and this is the rock and hard place we are
in. If we see a real recovery, rates will rise and that would make mortgages
more expensive and all forms of debt. That in turn would have the tendency to
squash the recovery.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>A conundrum for sure given all the debt the
world now has.<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'>Higher rates would mean it would cost more
to service all debt including government debt. Needless to say higher rates
would crush the real estate market back down.<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'>On the subject of inflation, the cost of
everything is continuing to rise and even the FEDS are becoming worried. They
are discussing a halt to the money printing programs in their latest
releases. I doubt they are serious but being not too bright, they may not
realize their halting programs will bring about a crash in almost all things
financial. The FEDS are the only reason things are rising in price such as
stocks, bonds and housing.<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'>If they are dumb enough to try and slow down
their money programs, they will witness a halt to the rise in the markets and
that along with housing and the all markets will start falling again. At that
point they will capitulate and print again.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><em><b><i><u><font size=2 color=black face=Verdana><span style='font-size:
10.0pt;font-family:Verdana;color:black;font-weight:bold'>Holdings:</span></font></u></i></b></em><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'><br>
Gold is still going nowhere and may even fall with rising rates. In the long
run, gold will outshine all other investments. Always have a core holding in
physical gold and silver.<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'>Also consider some gold funds and stocks to
help juice profits when gold rises. Just realize you could see nasty
corrections along the way to scare you out of your positions.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Stocks should rise with inflation but will
correct should the FEDS stop printing only to rise again when the resume. You
should hold some stocks to protect you and I prefer dividend payers. (See my
Super Dividend Payers List for my holdings).<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Bank accounts are still a part of my
portfolio. Simple savings will do with maybe a few short term cds (up to 2
years only). I-bonds are also a good diversification and can be obtained at
Treasurydirect.gov.<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'>Swiss Annuities are doing great and still
semi private. Ask me for a free booklet which I will then mail to you.<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Have high net worth? Click on the BFI banner
on my site. (right side). This company offers many offshore havens (legal in
every sense). High net worth individuals should consider keeping funds out of
US borders for obvious reasons.<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'>No Market Safe Cd’s from EVERBANK yet but
stay tuned. They do have great checking savings/ Money market programs with
the best rates I have seen. Here are the links to the accounts I like:<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 Market:<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><a
href="https://www.everbank.com/personal/high-yield-money-market.aspx?referid=13286"
title="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></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Checking:<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><a
href="https://www.everbank.com/personal/interest-checking.aspx?referid=13286"
title="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></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Bonds meanwhile are in my mind way too
risky. (Except government bonds of major countries except Europe which
I hate). I have some funds which pay nice dividends and invest in bonds
from financially stable and growing countries on my Super Dividend list and
here is the link:<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><a
href="https://moneymanagementradio.com/cart/super_dividend">https://moneymanagementradio.com/cart/super_dividend</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'>It is low cost and contains lots of what I
own personally.<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'>If you do own bonds, perhaps you should read
this:<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><a
href="http://dinarvets.com/forums/index.php?/topic/139648-bank-of-america-issues-bond-crash-alert/"
title="http://dinarvets.com/forums/index.php?/topic/139648-bank-of-america-issues-bond-crash-alert/">http://dinarvets.com/forums/index.php?/topic/139648-bank-of-america-issu...</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'>This warning is from no other but Bank of
America. Many others are issuing similar warnings. Ignore them at your peril.
Again, you can consider SJB to offset bonds you may hold.<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 foreign currency funds are doing fine
with the Australian funds paying and paying every month. (See Dream
Portfolio). The Swiss Franc is locked in a range of 102-106 but I suspect
sooner or later the Swiss Bank will have to let it rise revisiting the highs
it reached a few years back. It may take a while but the Swiss National Bank
cannot stem the tide for ever. The Canadian fund I hold is also meandering
but a solid hold. The Merk Hard Currency fund is slowly rising as well and we
recommended you look at this a few years back as well. It is still a solid
hold for a portion of your funds.<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 gamblers play shorting the Yen is also
up big time since our Twitter tweet a month or so back. We also tweeted to
place a stop to protect profits. Don’t add here but wait for a pullback. If
you do add, nibble only, it could correct again anytime. (Follow my on
Twitter under Marc Cuniberti for daily market reco’s and information).<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'>Apple is acting broken and my article on
Apple’s fall from grace made shortly after Steve Jobs died suggesting that
without Jobs, Apple could become just another average stock. I did not expect
it to fall from grace so soon but the idea was that it could and its recent
rout has certainly made that article appear accurate. I do hold a small bit
of Apple at higher prices and would not hesitate to add it now as it is now
possibly a nice dividend payer as well as a growth possibility. For a long
term value holding, with its 137 billion in cash and loyal following, I like
it although the blood bath may not be over. Gamblers who know how to do it can
sell the covered calls for quick rich profits. Be aware of the risks however.<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'>As for now, enjoy the stock rally and watch
to see the debt ceiling debate and resulting “deal” which will do nothing as
far as really addressing what needs to be done and we need to do something to
have a chance at avoiding a severe situation in the future. An unbelievable
catastrophe awaits us unless they stop the debt accumulation and I mean
unbelievable. Only time will tell.<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'>Stay tuned and stay protected,<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,<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<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>"All Hail The Prince of the Press"<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><img border=0 width=259 height=194
id="_x0000_i1027"
src="http://moneymanagementradio.com/files/moneymn/editor/Bernanke%202.jpg"><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'>(Fed Chief Ben Bernanke swearing to print
until the cows come home to save his banking masters)<o:p></o:p></span></font></p>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'> <o:p></o:p></span></font></p>
<p><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'> <o:p></o:p></span></font></p>
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<p><b><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
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<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;
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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
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<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>
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<p><font size=1 color=black face=Verdana><span style='font-size:7.0pt;
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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:
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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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