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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> Wednesday, July 03, 2013
1:12 PM<br>
<b><span style='font-weight:bold'>To:</span></b> "marc"<br>
<b><span style='font-weight:bold'>Subject:</span></b> [Money Matters
Newsletter] Money Matters Update July 3, 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
July 3, 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=413 height=550 id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/Marc%20at%20the%20Federal%20Reserve.jpg"
style='height:550px;width:413px'><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'>Me at the Lion's Den! The Darks Side's nest.<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'>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'>First off- Listen up! There is a brand new
Super Dividend Payers List now on Moneymanagementradio.com which includes
some new stocks AND a stock that has increased their dividends every for over
125 years! You use these companies’ products probably every week and it’s
been around for over 150 years! Pick up your copy of the Super Dividend
Payers list now! All yearly subscribers can download it for FREE! If you
would like to access all SHOWS and portfolios for 3 years, buy 2 years of
access and get the 3<sup>rd</sup> year for FREE! This special may not last
for long so just see the bottom of any web page to buy a yearly subscription!<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'>Interested in the upcoming real estate class
or Money Class? Email to reserve your spot 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'>Want to meet with me one on one? Email
“Sarah” right here in our office!<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'>One more thing- a NEW EVERBANK NO RISK CD IS
COMING! Stay tuned for a link soon. I have to review the listing and
make sure it is fit for Money Matters listeners so keep an eye out on future
Money Updates. It’s coming soon!<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 they have a great yielding Money Market
and Savings Account that is the best I have seen. Get your money in top
working condition with this high yield money market account.. The way I see
it, it's my job to keep your hard-earned money safe and growing so that when
you're not working, you're living right.<o:p></o:p></span></font></p>
<aside id="content_0_primarycontent_1_primarycontentcopy_0_RightContentDiv">
<h5><b><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Key Features<o:p></o:p></span></font></b></h5>
<ul type=disc>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'>Top 5% yields always<sup>3</sup><o:p></o:p></span></font></li>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'>$1,500 to open<o:p></o:p></span></font></li>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'>Move money up to 6 times a
month<sup>4</sup><o:p></o:p></span></font></li>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'>Mobile check deposits<sup>5</sup><o:p></o:p></span></font></li>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'>No monthly fee<o:p></o:p></span></font></li>
<li class=MsoNormal style='color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo1'><font size=2 color=black face=Verdana><span
style='font-size:10.0pt;font-family:Verdana'><a
href="https://www.everbank.com/investing/ira">IRA eligible</a><o:p></o:p></span></font></li>
</ul>
</aside>
<p><font size=2 color=black face=Verdana><span style='font-size:10.0pt;
font-family:Verdana;color:black'>Here is the link so you get the right one:<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/banking/money-market?referid=13286"
title="https://www.everbank.com/banking/money-market?referid=13286">https://www.everbank.com/banking/money-market<span
title="https://www.everbank.com/banking/money-market?referid=13286">?referid=13286</span></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'>I will have more from Everbank soon but for
now open this money-market account if you want a higher yielded with safety.<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 July 11<sup>th</sup>,
2013 NOON Pacific Standard Time! Lets talk about those bonds you hold and
what stocks we should replace them with!<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'>Bonds:</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'>Investors are finding no shelter from the
worst corporate-bond losses in almost five years as debt plunges for the most
creditworthy to the riskiest borrowers in every industry worldwide.<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'>Company debentures erased 2.2 percent the
last three months, the worst quarterly decline since a 5.2 percent plunge in
the period ended September 2008, when the collapse of Lehman Brothers
Holdings Inc. ignited the worst credit crisis since the Great Depression,
Bank of America Merrill Lynch index data show. All 16 industries in the index
lost during the period, from a 0.7 percent decline for the debt of automakers
to a 3.5 percent drop in energy-company bonds. Now, if your financial advisor
has you in BONDS, dump him or her NOW! Read the facts here yourself:<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'><a
href="http://www.bloomberg.com/news/2013-07-01/nowhere-to-hide-in-worst-bond-losses-since-2008-credit-markets.html">http://www.bloomberg.com/news/2013-07-01/nowhere-to-hide-in-worst-bond-losses-since-2008-credit-markets.html</a></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'>and here:<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'><a
href="http://www.bloomberg.com/news/2013-07-01/mortgage-bonds-drop-up-to-22-in-june-as-some-2013-gains-erased.html">http://www.bloomberg.com/news/2013-07-01/mortgage-bonds-drop-up-to-22-in-june-as-some-2013-gains-erased.html</a></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'>and here:<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'>http://www.cnbc.com/id/100855508</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><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'>More QE? “Please
Ben, stop!”</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'>Five years into the Quantitative Easing by
the Federal Reserve and about 3 trillion dollars later, and Ben Bernanke your
Fed Chief is starting to talk about bringing it to a close once again, about
his fifth or sixth time of threatening to take away the money punch bowl
without actually doing 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'>He as well as many others are surely
starting to wonder if all this money printing known as QE is really doing any
good. Sure the Dow Jones industrial stock average is at a new high almost but
seeing as only one in ten people own stocks, this Dow high helps very few
average Americans.<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 unemployment still stuck in high gear
and business balance sheets and reports reflecting at best a stagnant
economy, it begs the question just how effective have all these QE programs
have been. They’ve helped the banks of course, as is evident by another
quarter of flawless trading and record profits, but QE was never intended
just to help out the banks, well, it really kinda was, but they TOLD us it
was to help joe blow get a job and rescue his mortgage payment from
defaulting. Indeed a few homeowners got their rent reduced, not me mind
you, but after 5 years of this QE stuff, we can pretty much draw some
reasonable conclusions as to what it has and hasn’t done.<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'>Banks love it, main street is still waiting,
Wall Street swears by it and the politicians that were in there during the
crisis 5 years ago haven’t been fired, jailed or strung up by their buster
browns, so there you have it then.<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 people in control of the money helped
the people who manage it, who in turn throw some of into the coffers of those
who supported it, who appoint the people who printed it who showered the
money into the lobbies and vaults of those who gamble with it who win more of
it and then line the pockets of all the above. Mean while the people who
actually end of paying for all of it, that’s you and I by the way, get
screwed.<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 get it now, I’m on the wrong end of the
money hose, and instead of getting covered with money, I get hosed!<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 and Your
Money:</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 is up then down then up 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'>The Feds print then threaten to not print
then take it back. Sheesh!<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 an investor 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'>Be patient and don’t jump around. Hold a
modest portion of stocks but not too much.<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 always recommend about 10- 15 % in stocks
but only in dividend paying stocks. That’s a lot less of a percentage then
the financial advisors you talk to recomend but keep in mind financial
advisors just usually know two things- stocks and bonds.<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 are not economists; they make their
money by taking from you and usually only buy you a handful of mutual funds
you could buy yourself. They usually “over invest” you in these two assets
and rarely tell you to just get out of the market altogether. You are then
being set up for possibly HUGE losses by a flawed model. My opinion of
course.<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 let you ride the market down in
downturns and then tell you it always comes back. I guess they never studied
market history as there‘s been plenty of times the markets take years to come
back. If you don’t believe that one, take a look at the market in the late
60’s or better yet, the last 12 years or so. It is about the same place its
been since the year 2000! Hold for the long term? I don’t know how much
“long” I have left in my “term”!<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 of just stocks and bonds, keep a
good portion, more then half, in plain old savings accounts where you won’t
lose it. Laddering bank Cds is also a good strategy and laddering just means
buying a handful of Cds with different maturity dates like few 3 month Cds, a
few 6 month Cds and possibly buying a one and two year Cd. That
way you get at least some interest and always have some money coming due.<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 foreign currency or 2 makes sense to hedge
against a US dollar crash. Take a look at the Canadian dollar funds (FXC),
the Swiss Franc Fund (FXF), the Australian dollar fund (FXA) and the
Merk hard currency fund (MERKX). I recommend holding all four of
these for true dollar diversification and you might collect some interest
payments along the way 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'>Although gold is down hard in the last few
weeks, holding some gold and silver coins is always good insurance against a
catastrophic dollar collapse and if it doesn’t happen, pass the coins on to
your kids. I also think a bottom may be in soon and for it may be time to
load the boat on some good gold funds and stocks. Do NOT do anything now.
Wait for me to let you know when I start buying as more downside may be in
store!<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'>Top all this off with a Canadian savings
account accomplished by a vacation trip to Vancouver and maybe even a Swiss
Annuity or Swiss “investment service” (Email me for information) and you have
a solid base for a true diversified portfolio. You can save the money you pay
to that advisor and buy some more stock with the money instead. You will also
be safe knowing what you own and why you own 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'>All for now, stay tuned for more in coming
editions of this Money Matters Update.<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'> <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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Money Management Radio is the sole property of Bay Area Process Inc. and all
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<p><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;
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<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;
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