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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, November 20, 2013
5:39 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 Wednesday, November 20, 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
Wednesday, November 20, 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 align=center style='text-align:center'><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=300 height=322
id="_x0000_i1026"
src="http://moneymanagementradio.com/files/moneymn/editor/QE%20programs%20chart.jpg"
style='height:322px;width:300px'></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 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=6 color=maroon
face=Verdana><span style='font-size:27.0pt;font-family:Verdana;color:maroon'>Wow,
this puts things in perspective!</span></font><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><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 term “free market” conjures up all sort
of images in people’s minds, from bad to good. Many know it for what it is:
people buying and selling between themselves, arriving at an agreement much
like you do when you contract a guy to paint your house or mow your lawn.<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 in many the term free market spawns
images of greedy corporations gouging the lesser man of his paycheck all the
while making obscene profits over and above what would be deemed fair by any
reasonable measure.<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'>Truth be told the free market is nothing more
then the first description: two parties agreeing to do a deal with the price
set in agreement by both.<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 free market may not be perfect but it is
the best method for producing things in the cheapest fashion possible. If
price is not agreed upon, the sale does not take place. If a monopoly exists
and price gouging arises, new competitors enter the market to garner profits
and the price then comes down again. Shortages and surpluses are addressed by
supply and demand pressures and prices adjust accordingly.<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 free market is in essence people buying
and selling things as they desire. The simplest vision is to imagine a
farmers market on a Saturday morning. The worlds businesses operate in much
the same way except on a much grander scale.<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 the free market does is produce things
at the lowest possible cost, and no other method will produce an item
cheaper. Because of this reality, a central government cannot by the very
definition of the way a free market operates make anything more “affordable”.
Since the free market produces the lowest cost, any other method produces a
higher cost.<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 a proposal by a government (such as
healthcare) is adorned in fancy terms like “affordable” and under a feel-good
veil of compassion, the fact remains that governments cannot make anything
“more 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'>In fact governments are the worst
administrator of programs, as there is no competition to government such as
there is in every other system of product creation.<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'>Just look at the businesses the government
operates. Amtrak loses billions a year as does the US Postal Service.
Meanwhile the military is the biggest consumer of gasoline in the world and
consumes billions of dollars shuttling iron and gunpowder back and forth
between the world’s ports. The list of government boondoggles goes on and 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'>Government spending is badly administered by
people who have no “skin” in the game. There is no competition to government
to force it to spend thriftily. Government waste is a widely and accepted
truth and for good reason. It has no private owners who demand profits.
Government operates without a profit motive and it’s this profit motive which
curtails wasteful spending in private industry. Put simply, the government
could burn money and still operate. In fact it’s the only entity that can.<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'>Government can subsidize programs but every
penny it spends in subsidies must first be taken (in the form or taxes or
levies) from the very population the program is trying to make 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'>How can low rates be touted if the people
first paid for those rates in previous taxes?<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 very notion of “affordable’ anything
administered by government and supposedly at a lower cost than the private
sector is preposterous at best.<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 some belief it to be so does not make
it so.<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 will find this reality in a few
years time as the Affordable Healthcare Act unfolds. Even with subsidies, our
healthcare costs will skyrocket, the quality of care will decrease and the
taxes to pay for it all will further bleed the pocket books of an already struggling
populace.<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'>Money
Matters airs tomorrow, Thursday at 12:00 pm PST on KVMR.<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
new SUPER DIVIDEND PAYERS LIST was posted last week.<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
new Money Class is scheduled for December 3. 2013 in Grass Valley.<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'>Discounted
cost if you sign up by email now. Only $129.00 before Thanksgiving.<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'>($199.00
after that day)<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'>Class
will be held around 11:00 am to 2:00 pm. Email me to sign up now.<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'>Look
for my new paper on “Buying Stocks on Sale or Get Paid Not to Buy Them at
all!”<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'>We
will also be going over this strategy during this upcoming Money Class!
Sign up and learn how!<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'> <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'>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
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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
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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'>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
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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
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<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
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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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