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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> Saturday, March 02, 2013
4:35 PM<br>
<b><span style='font-weight:bold'>To:</span></b> perf client- Money Matters
Listener- Free Newsletter<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Money Matters Update- Apple stock and the Sequester Cuts. March 2,
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'>Money Matters
Update- Apple stock and the Sequester Cuts. March 2, 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><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'><img width=259 height=194 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Bernanke%202.jpg"
style='height:194px;width:259px'><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'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>BIG
BEN- SWEARING TO FUNNEL AS MUCH MONEY TO THE BANKING MASTERS AS WE ALLOW HIM
TO.<o:p></o:p></span></font></p>
<p><strong><b><i><u><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></u></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><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>So the “Sequester” (why DO they put these
funny names on these things) are just the cuts everyone agreed to and yes
Obama signed them too. It was the “deal” that BOTH sides of Congress and the
President agreed to if they allowed the debt ceiling to be raised.<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 law states the US can only spend up to a
LIMIT. That limit is set in stone. After you borrow so much and owe so much,
you reach the LIMIT and you cannot spend anymore until Congress raises 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 we reached the limit about 18 months back
(like an overspending spouse) and to get Democrats AND Republicans to agree
to allow an increase, everyone agreed to form a “Super Committee” which would
then hammer out cuts that the Congress couldn’t.<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 additional condition was if the
committee couldn’t reach an agreement, because it couldn’t the first time
thousand times, then automatic cuts (now called the sequester) would take
place. An incentive and sort of a doomsday like event which would give them
good cause to agree (which apparently wasn’t good enough) and a consequence
if they failed to agree. Both Democrats and Republicans signed it as did
Obama.<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'>We all know what happened. Nobody agreed on
any cuts (again) yet Obama got his increase in the debt limit. The committee
couldn’t agree so the automatic cuts were scheduled for January 1, 2013. That
was called the Fiscal Cliff because it coincided with some tax cuts that just
happened to be set to expire on the same day (Bush tax cuts).<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'>Washington’s fear mongers hit the streets
and scared everyone that Jan 1 was a date in infamy and we needed to kick the
can down a bit. They did and the cuts were cancelled until March 1<sup>st</sup>.
Now here we sit with the fear mongers running around again, Obama being the
leader of course, wanting to renege on his promise and signature as well as
everyone else who wants to do away with, reschedule or alter the promise they
made to us 18 months ago. Now comically, we are at another debt ceiling and
need to raise it again when we haven’t even stuck to the promises we made the
last time around.<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 where in the press that I can find is
mentioning the fact these cuts were a condition of the last debt increase and
that everyone screaming signed the damn cuts and agreed to 18 months back.
Now all we hear is how bad the cuts are going to hurt the economy and how we
can’t stomach it because seniors and the sick, the poor and destitute, the
teachers and cops and everyone else who don’t occupy the ivory halls of
Washington will suffer.<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 parks will close down and the schools
will close but President Obama will still go on his golfing excursions. Never
mind cutting the massive government departments like the useless Department
of Energy who has done nothing to lessen our dependence on foreign oil (its
original mission) yet eats tens of billions a year, or cutting the Department
of Homeland Security who have caught no one since their inception except
handcuffed some shoe bomber who couldn’t get his bomb lit, or nabbed some
kooks car in NY not because of the departments hundreds of billions but
because some average joe noticed something weird. Never mind cutting the
bailouts which total hundreds of billions to mega banks, or getting back the
50 billion they gave to General Motors, the hundreds of billions to AIG or
the trillions given out to the offshore foreign banks. Don’t bother getting
back the tens of billions in tax money the homebuilders got back when the
housing market they fueled cratered and subsequently got all their taxes back
on all the profit they made. Don’t you wish you could get your taxes back?
They did and kept the profits to boot.<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, Washington instead closes Yosemite,
makes us wait in longer lines at the airports or puts 911 on hold so you’ll
bitch about the so called cuts and give them the green light to do away with
them and bankrupt instead our once great nation. Lets starve the
elderly instead of having Wells Fargo and Bank of America give back the
quarter of trillion they got for all those bad mortgages they made billions
on (and WE still own as taxpayers) while they get off scot free and pay even
bigger 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'>Let’s fire some firemen so when the
urbanites set fire to the city because they are starving because the Federal
Reserve drives up food prices so high with bailout money and then the firemen
wont come so your house burns 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'>Lets turn off some power to the old folks
and starve them out instead of getting back a cool 300 billion from Citibank
and Goldman Sachs which got all that money for more toxic crap they created
and made billions on.<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'>Let’s give some idiot $8000 dollars to buy a
house off a bank balance sheet so he takes the loss instead of the bank, or
give some broke dude a $5000 clunker credit and a car loan so the automotive
unions will get paid so the auto companies and union cartels will give back
money to keep those same politicians elected. Then make sure we all are made
aware of the sequester cuts by turning away my sick grandmother instead of
getting our tax monies back.<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 what the sequester is all about. It’s
not about a few billion in spending cuts plummeting our economy in a
recession. Its about finally facing the music and acknowledging our
government has a spending problem, and not a revenue problem like they would
have you believe because no matter how much they get or how much we give them
its never enough. They will always spend more. Don’t fall for that “greedy
corporations making obscene profits” BS. Exxon makes no more off a gallon of
gasoline then Disneyland makes off an admission ticket or McDonalds makes off
a hamburger.<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 Obama was so concerned about high gas
prices, why not remove the more than 20 % Federal Excise and state tax they
put on each gallon of gas we buy. That right there would drop the price of
gas to 3 bucks right there. Don’t kid yourself. Washington is fully aware of
the money they make on gasoline tax yet they don’t volunteer that.<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'>Instead they give Ben Bernanke the
permission to print up 85 billion a month and give it to the banking cartels.<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 if we haven’t given them enough 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'>It’s a sham and a con and why we Americans
stand for it is beyond comprehension.<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 subsidize big oil, they subsidize big
corpa, they subsidize big auto, big farmers, foreign countries and foreign
banks then tell us we can’t cut a few billion in spending because our economy
can’t function without 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'>Why not get the 100 billion in sequester
cuts from stopping these subsidies, bailouts, handouts, taxes and tariffs?<br>
<br>
They pocket it all then say they will close the parks, make us wait in
horrendous airport lines and watch our houses burn and poor starve because we
can’t afford 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'>America, wake 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, noon
Pacific Standard Time on KVMR FM and world wide on the web at <a
href="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'>Money classes are registering now, email us
for a spot.<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, now enjoy my latest article on
APPLE.<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 align=center style='text-align:center'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'>Federal
Spending Chart- Aint that a bitch.<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 align=center style='text-align:center'><font size=2 color=black
face=Verdana><span style='font-size:10.0pt;font-family:Verdana;color:black'><img
border=0 width=362 height=275 id="_x0000_i1027"
src="http://moneymanagementradio.com/files/moneymn/editor/US%20FEDERAL%20SPENDING.jpg"><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><u><font size=4
color=black face=Verdana><span style='font-size:15.0pt;font-family:Verdana;
color:black;font-style:italic'>Apple- bad fruit or just ripening?</span></font></u></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><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'>What’s going on with apple stock?<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'>From a high of over 700 bucks a share, it
has dropped by almost 40 % in a few short months.<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'>Seems like the Wall Street darling has
become the proverbial red-haired step child.<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 did a news piece a few days after Apple
CEO Steve Jobs passed away, saying that<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'>Jobs was Apple’s center of creativity and
with his passing it may spell trouble down the road for Apple.<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 detailed in the piece that Apple wasn’t
the only company with smart people in research and development and that one
day the mighty Apple might become just another tech stock vying for a part of
a much desired pie. I suggested that the once great computer company had
perhaps become just a fancy device making company. <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'>Although I did not expect Apple to fall from
grace so suddenly, the news piece came true in spades and what happened to
Apple can happen to any market leader.<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'>Many times companies are the prodigy of
their founders and one could argue that Steve Jobs was the reason Apple was
so successful. His creativity and ability to see miles ahead of his
competitors as to what consumers would want kept Apple at the forefront of
high tech gadgetry, if not actually leading 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'>But cutting edge companies have to stay
cutting edge, and if you come out with a great product, or many great
products like Apple had, it won’t be long until other companies step up and
offer similar products which will start to cut into market share.<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'>Without constant innovation and that cutting
edge technology that got you there, companies will start the fall down that
slippery slope of losing market share to copy cats and other innovators.
These companies may even improve on where you 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'>At 700 bucks a share, Apple was priced as a
cutting edge company. Although not expensive on an earnings basis, the market
perception of Apple was that it was a cutting edge company. Now that it
appears vulnerable and with no Steve Jobs to rescue it, investors are selling
it off and a brutal sell off it is.<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 still has great products and another
fantastic one could vault Apple into the stratosphere again. The problem is
no one can really be sure when that new product will emerge if it emerges at
all.<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'>From an investor’s standpoint, Apple is
still fairly cheap earnings wise; the company has oodles of cash and now
sports a 2 % plus dividend to boot. It has super loyal customers and the
branding of a lifetime behind it. With all that going for it, although more
downside may be in store for Apple, once this stock bottoms, this is one
stock that may be no bad apple, even if you have to hold onto to it for a
while.<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 article expresses the opinions of Marc
Cuniberti. Mr. Cuniberti hosts “Money Matters” on KVMR FM 89.5 and 105.1 FM
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/">www.moneymanagementradio.com</a><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;
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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please keep your emails to less then 3 sentences and do not ask about
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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>
<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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