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<p class=MsoNormal><font size=3 color=navy face="Times New Roman"><span
style='font-size:12.0pt;color:navy'>NOTE in paragraph 2, the symbol
SBJ in the previous update should read SJB it has been
corrected in this copy<o:p></o:p></span></font></p>
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10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></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'>Debt ceiling debate
postponed. Dow rallies. A few gamblers plays hit it big. Update February 1,
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><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'>Marc’s Notes:</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'>The market’s rally continues (kind of)
with the Dow breaking up through 14,000 and now we wait to see if it will
hold. Many times a stock market turns right after they break through a major
milestone like the Nasdaq crash years ago.<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'>With investor sentiment at historic
complacency levels and the VIX index (fear index) also at all time lows, this
usually means the markets are ready to correct. The VIX fear index is as low as
it has ever been including the recent previous market crashes. This could
very well mean a market correction is imminent.<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'>Whether it turns out to be a simple
correction or an all-out rout only time will reveal. I would be careful
adding a lot of stocks right now. Gamblers can play VIX right here, or buy
APPLE and sell the covered calls, or put in orders to buy GAZ at 2.60 and
sell at 2.70. You can also buy S</span></font><font size=2 color=navy
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:navy'>JB</span></font><font
size=2 color=black face=Verdana><span style='font-size:10.0pt;font-family:
Verdana;color:black'> which bets on the coming bond rout. These plays are
only for investors who fully understood the last sentence and not for your
average investor. Those who bought YCS on my recommendation shorting the Yen
are seeing great gains. I put the buy alert out when YCS was in 50 or so and
today it’s almost 58! Put a stop in at 55 to protect your gains. This was
kind of a no brainer as the new Prime Minister Abe promised to drive the Yen
down by printing massive quantities of it. The Yen as a result has fallen
dramatically. Nice job to those who bought YCS. (Don’t add it here,
wait for my signal though).<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'>Meanwhile the debt ceiling debate has been
kicked out a few months as usual. Can kicking is Washington’s way of
never having to face the bad things. Shameful but the debate is coming.
Another cobbled together agreement of nothing substantial will be the result
in March or so unless they kick the can once again. For now the government
gets to an extension on its credit card and yes, we have seen this movie
before and all the sequels too.<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'>I have some updates
for you:</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'>Those holding VIPSX should exit now. This
“safe money” fund has run its course and now that interest rates
are rising, we should move into something even less volatile to interest
rates.<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'>BIL or SHY should do fine. They don’t
earn anything to speak of but also won’t fall as fast. VIPSX paid
nicely and rose nicely but now it’s falling again ever so slightly so
its time to say goodbye.<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'>Gold has gone nowhere for months. Although
it could correct down another 500 bucks or more, keep adding. Its day is in
the future and if you think you saw a great rise from $250/oz to $1,700/oz,
you are right. But its best days may still be to come. I do not think you
will see another quintuple but $2,000/oz is definitely its next stop and
higher still in the years to come. Ditto for silver but remember, both could
fall as much as 40 % in a correction before violating their long term bias.<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'>Oil is rising again. Economic news in the
positive drives oil higher. Its has risen nicely and those adding UCO in the
high 20’s as suggested are looking at 20% gains in 6 week or so. Set a
stop to protect losses around 32. With rising oil comes economic pain however
as this pulls more money from consumers wallets.<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'>By the way, note the Swiss Franc! You Swiss
annuity holders out there should rejoice.<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 Franc had breached 139 to the dollar and
those holding my recommended Swiss Annuities in Francs were VERY HAPPY. The
Swiss National Bank then intervened and starting printing Francs to buy Euros
to drive the Franc down. All the way into the low 100’s they drove it,
and took half our profit!<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'>At that time the SNB said they would buy as
many Euros as possible to stem the Francs rise. Now they have close to 600
billion Euros! That’s a whole lot of a rotten decaying currency they
now hold and the Swiss could be looking at huge losses if the Euro problems
don’t get solved. Since there really IS no solution, the SNB will
suffer huge losses eventually. The point I warned about back then was that
the Swiss could not hold down the Franc forever as it would take to many
Francs printed up and they would have to stop the practice or own trillions
of Euros! (Think owing trillions of Mexican Pesos which you had paid good
dollars for). Now the SNB is starting to look foolish and may have to go back
on their promise to “print as much as it takes’ to drive Franc down.
The market is turning out just too large for them to print forever. I suspect
the recent rise in the Franc is the SNB starting to realize they have WAY to
many Euros and they cannot fight the market forever. I advised Swiss Franc
holders to stand pat back then and also recommended buying and holding the
Swiss Franc funds FXF as it was only a matter of time before the SNB would
HAVE to let the Franc rise. Now it looks like we might be at that point. See
chart below:<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 width=361 height=223 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Swiss%20Franc%206%20months%202013.gif"><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'>That is pretty substantial in the world of
currencies.<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'>Have you looked at you paycheck in 2013? Not
as big is it. The higher tax rates are also weighing on the average Joe.<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 is really interesting is interest rates
continue to rise. The last few times they did this it turned out to be a head
fake, but this latest rise is continuing.<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'>See the chart below:<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'><img width=405 height=371 id="_x0000_i1027"
src="http://moneymanagementradio.com/files/moneymn/editor/3%20month%20interest%20rate%2010%20year%20bond%20chart%202%201%202013.gif"><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'>This rise is despite the fact the Federal
Reserve is printing tens of billions a month to hold them down. That does not
bode well for their efforts or for us if the rise continues. The rise IS the
direct result of their money printing, borrowing and bailouts and this rise I
have discussed so many times on Money Matters. It’s this rise in rates
that is the end game for the US dollar if it continues. Another percentage
rise like the last 3 months will start to have serious effect on the economy.
You can count on the fact that the Federal Reserve is watching this very
carefully. The money addicted patient called the US economy may be getting
the shakes. Another dose of money may not help him as it has so many times
before. We will see if the Feds can stem the rise. If they cannot, get ready
for an event that will shake you to your core. A US dollar event that will
make the evening news.<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'>Protect yourself with the Money Matters
plan. Keep tuned and get the Dream Portfolio on the website to see what you
have to do.<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 new Super Dividend Payers list is almost
done so those people on the year subscription can soon download the latest
update. You can also download it one time for a small fee. Watch the
newsletter for the announcement.<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: <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: <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'>Money Class 2 offered at a discounted rate
through the See Jane Do Woman’s organization is looking like it will
take place late this month! If you took class 1, now you can go to Class 2. I
suspect a smaller class so I can answer all your questions!We will cover real
estate, rentals, inheritance, stocks, dividends, should you have money
offshore, bank accounts, 401K. Calpers and Stir accounts and much, much more.
Email me or watch this newsletter. If a few men want to attend, I can ask the
organizer if they will allow men in.<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'>That’s all for now but follow Marc
Cuniberti on Twitter for daily updates and recommendations on some possible
quick stock money makers!<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'><img border=0 width=257 height=214
id="_x0000_i1028"
src="http://moneymanagementradio.com/files/moneymn/editor/MM-Twitter-bkgd.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'> <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;
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
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<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>
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<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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