From bayareaprocess at att.net  Sun Mar  1 04:52:05 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Sun Mar  1 04:52:33 2009
Subject: [Money-matters] Update news
Message-ID: <786444B4609341AC9675B3069BFD64A6@Marc>

Marc's Notes:
If you or someone you know is in danger of foreclosure, please read the
attached article.
Also if you owe on your house, you might read this as well.
 
 
http://www.nytimes.com/2009/03/01/business/01gret.html?ref=business
 
Marc
 
Produced and Hosted by Marc Cuniberti
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.
"Money Matters"  and "Your Money Matters" is aired throughtout Northern
California and the State Capitol.
Northern California's  # 1   "alternative"  economic show.
"Know the Truth and the Truth Shall Set You Free"                  John 8:32
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From bayareaprocess at att.net  Sun Mar  1 21:01:34 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Sun Mar  1 21:01:47 2009
Subject: [Money-matters] Money Matters Update March 1  2009
Message-ID: <EEB349FBC5684A8D81F3F07888420E51@Marc>


Buffett Accepts Blame and Faults Others 

The renowned investor
<http://topics.nytimes.com/top/reference/timestopics/people/b/warren_e_buffe
tt/index.html?inline=nyt-per> Warren E. Buffett chided himself and the
business world at large in his annual letter to shareholders of his holding
company on Saturday as he sifted through the wreckage of his worst year in
four decades.
Marc's Notes:
As indicated in last Novembers Update when Warren Buffet told the world it
was time to buy stocks I indicated he was wrong and would get his head
handed to him. (SEE NOV UPDATE). 
Turns out the Oracle of Omaha got his head handed to him and those investors
that followed his lead and not ours also suffered a decapitation of their
funds.
Even savvy investors can make mistakes, myself included. (although I like to
think I make very few !).
There will be news on Monday of AIG posting another HUGE loss and the
government will give them more billions. Do you ever think this money give
away will stop?
This really is incredible don't you think? The billions are flying out
almost daily, yet these amounts would have been unheard of a few years back.
I don't think the average American realizes that even a few million in
government money going to a private enterprise is normally VERY RARE, yet
now we are so complacent, your government gives away literally TRILLIONS and
we still sit around Starbucks sipping our coffee like nothing is happening.
>From an economist's point of view, I am seeing something akin to God himself
landing on earth. I mean, really, this is way over the line. I will say it
again. "It wont be enough". It wont work, it never could. Issuing money is
not creating wealth. It is just creating more debt. ( M(blank) - get your
checkbook ready!) Like I said, I don't lose economic bets but once in a
decade.
This week should be a market mover due to the simple fact last week wasn't.
(much anyway).
 I suspect the Warren Buffet posting today and the AIG news on Monday will
start the week off negative and the 6000's may be in play at least early in
the day. If we "nest" there a few days, a new precedent will be set. If I
was a betting man, I suspect the 6000's will be tested this week. 
The interesting thing this week will be news items. Who knows what will
surface, but other then the Government spending more money, it wont be good.
Think of it this way. With no one buying anything or spending anything, and
consumption all but dried up, the US Government will substitute its spending
for us.
Unfortunately, Uncle Sam gets its money from you and me, and is a very bad
spender. It makes horrible deals, wastes money, skims some, losses some, and
is not a good shopper, so its money will be the most wasted of all. And at a
time when money is in short supply. This is why we can be sure what they are
doing will exasperate an already bad problem.
My dear listeners and friends. 
What we are seeing here are draconian measures. The situation is dire. We
are playing with fire. I cannot say with certainty what will happen but
truthfully I fear the worst. This is why I am diversifying my family's money
all over the place. 
Overseas, in gold, in silver, in contrary stocks, in foreign currencies. I
really don't know what will be safe, but I know what is coming won't be
pretty and could, I repeat, COULD be downright devastating. I urge you to
prepare for the worst, (yet hope and pray for the best). 
If you STILL are sitting in what your "advisor" put you in like a basket
full of US stocks or funds,  PLEASE at least consider making some of the
moves we have been talking about here on Money Matters and get some money
SAFE. 
I don't want anyone who has access to this information to say "I should have
done something". Please, you don't realize how precarious the situation is.
It MAY turn out fine in a few years, and I hope it will be, but we could be
looking at something here many are not prepared for. The good news in all of
this is that there is still time to prepare and hedge your assets. Please
review some of the recommendations made here over that past years and a make
at least some moves. If anything, at least get some physical gold and silver
and get some money hedged. (Gold buyers- see the end of this update if you
don't know where to get coins or bars).
Remember, listen to those who were right and dump those advisors who were
wrong. Don't stick with the usually mantra of buy and hold! The advisors who
told you to buy and hold are nothing more the parrots reiterating what they
heard on CNBC. They are not thinkers, they are followers. There is no talent
or thinking there. If your advisor has lead you down road of losses and
offers nothing but "hang in there" or buy some "other" mutual fund or stock,
make the change and do it now. 
I know, I know...You are thinking you're already down too far to sell? 
Think again. Like I keep saying, you WILL SELL, when you are down 70 to 80%
, you WILL SELL. This is historically when even the staunchest of "buy and
hold"  investors sell. When everyone else is selling.  
And that's when it will be time to start BUYING strangely enough.
Then after you lost your money, your advisor will tell you something like
everyone lost money and there was no way to forecast it.      I say:  BS.
We were saying it all the way down. So think for yourself, DO SOMETHING.
Read the signs. Make a move. DON'T WAIT. Markets can move south in a hurry.
Prepare and be through the door before the everyone else starts crowding
around it. Then it will be too late.
Holdings: no change from previous update.
NEWS ON USO: Oil fund. 
The SEC is looking into it for reasons which don't seem important to us as
investors as far I can tell right now. No change, but I will watch for news.
NOTE:  USO was never recommended to KVMR listeners, I just said it was a
gamblers bet and that I was considering it.  I still hold it.
 
That's it for now. If something occurs that you should know about, I will
let you know.
 
Here is the letter from the previous update. This should be emailed to your
representatives if you agree with it. You may also make your own version,
but do something. If you haven't sent it in, please do so and forward this
to as many people as you can. And have them forward to as many as they can
and so on and so forth.
Remember, if the  FEDS  continue down this path, they will have no choice
but to take your money directly by confiscation, as they will have wrecked
things by their attempts at bailout. Your rights will be circumvented under
the guise of "for the good of the people" much like FDR did when he denied
you access to your safe deposit box, YOUR private property, guaranteed by
the US CONSTITUTION. 
*	Fourth
<http://en.wikipedia.org/wiki/Fourth_Amendment_to_the_United_States_Constitu
tion>  Amendment - Protection from unreasonable search and seizure
<http://en.wikipedia.org/wiki/Search_and_seizure> .
The right of the people to be secure in their persons, houses, papers, and
effects, against unreasonable searches and seizures, shall not be violated,
and no Warrants <http://en.wikipedia.org/wiki/Warrant_%28law%29>  shall
issue, but upon probable cause, supported by Oath or affirmation, and
particularly describing the place to be searched, and the persons or things
to be seized.
 
 
"Complacency Accompanies Tyrannies Triumph":    Marc Cuniberti -2008
Don't be complacent.
Honorable Representative.
 
I am increasingly concerned about the future of our nation and what kind of
world we will be leaving to future generations as it pertains to our economy
and your recent actions to try and "fix" our financial crisis.
The problems we are seeing now in our economy, indeed the world, are the
result of years of mismanagement of our currency and the abuse by our
banking institutions. There are other factors as well.
Although the common belief in Washington is that something must be done, the
application of trillions of dollars of taxpayer's money is, in my opinion,
not the solution.
If allowed to function unabated, free market fundamentals will cleanse the
system. Debt levels must be paid off with "real savings", not printed money
and more debt. Insolvent and/or inefficient companies must be allowed to
fail. The impression given is that certain companies and industries are "too
big to fail". This has never been the case.
America and its citizens are resilient. We can weather any downturn if we
are told the truth. Additionally the Government should not be allowed to
decide who should fail and who should be saved. The free market is and has
always been the best allocator of resources. The free market will cure our
anomalies if left to do so and it will not be the "end of the system" nor
our country, contrary to what you and I are led to believe. The truth of the
matter is that we as a nation are over encumbered and now the debt has to be
cleansed. To encompass more debt and try and "get the banks lending again"
is not the answer and will in fact worsen the problem in the future.
As a tax payer and a citizen of this great nation, I implore you to stop the
flood of money coming out of Washington and have a little more faith in our
ability to overcome our previous mistakes.  After all, those that are
encouraging you and I to spend more taxpayer money on company after company
to "rescue" and "stimulate" our economy are the very same people that
allowed these problems to materialize in the first place. 
Keynesian economics which supports a government spending ideology has never
worked and we have many examples throughout history which confirm this.
Please stop the bailouts of all institutions immediately. The result will be
painful, but not as painful as if we continue down this path of applying
socialist solutions to a free market system. If not for us, at least do it
for our children.
 
Thank you for your time.
 
Here are the links- you can also email Pelosi or Obama direct if you like.
 
http://mcclintock.house.gov/contact/index.shtml
 
http://boxer.senate.gov/contact/email/policy.cfm
 
http://feinstein.senate.gov/public/
 
All the best,
Marc
 
Do Not Reply to this message directly.

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<http://mailman.jtan.com/pipermail/money-matters-l/>
http://mailman.jtan.com/pipermail/money-matters-l/
 
The views expressed here are opinions only.


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 resonsible 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
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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
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listed.
 
If you wish to send Mr. Cuniberti an email, please keep your emails to less
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participation in Money Management Radio and Money Matters.


Produced and Hosted by Marc Cuniberti
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.
"Money Matters"  and "Your Money Matters" is aired throughtout Northern
California and the State Capitol.
Northern California's  # 1   "alternative"  economic show.
"Know the Truth and the Truth Shall Set You Free"                  John 8:32
89.5  105.1  95.1  103.7   FM Radios throughout Northern California and the
State Capitol.
Worldwide on the web at WWW.KVMR.ORG and on KFOK FM RADIOS
 
 
 <http://www.KFOK.ORG.>  Where I buy some of my gold and silver:
 <http://www.KFOK.ORG.> "Possession Gold" 10%- Standard Gold Eagles,
Buffalos, Kruggerands, Silver Maples. Gold Pandas   Generic Rounds. Peace
Dollars or Morgans. You may contact:
 <http://www.KFOK.ORG.> Monex Deposit    David Feldberg  x 2216  Ask for
David Only. He has worked well with our listeners.
4910 Birch St., Newport Beach  Ca  92660
1 (800) 949 4653  (GOLD)   ext 2216  
 <http://www.KFOK.ORG.> Refer to Marc Cuniberti and Money Matters for best
pricing/service. Take delivery and store in a safe place.  You may have 25 %
of this amount in silver and the remaining 75% in gold. Buy only generic 1
ounce rounds or ounce bars, no collectibles. You may buy any 99 % pure gold
or silver assets but pay no more then a few dollars over spot. Again, buy NO
Collectibles, No Margin account, No Commodity accounts. Take delivery of
standard coins only.



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From bayareaprocess at att.net  Fri Mar  6 12:27:03 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Fri Mar  6 12:27:31 2009
Subject: [Money-matters] Money Matters Update March 6 2009
Message-ID: <080431A1C92D4A48A2B3E529F1301526@Marc>

Marc's Notes:


As indicated in last email, 6000 DOW was entered and is now in play. 6500
was the next level of support and now IT is in play. The markets look anemic
and worsening. Small one day rallies are followed by more selling. The FEDS
"ANNOUNCMENTS" are finally having little effect. I maintain a RED ALERT
level on the markets and now warn you a 1000 point or more crash day is
probably coming soon. Investors are reaching levels on their portfolios
where they " HAVE TO SELL' to recover at least something, but we are not
there yet.
 
(Listeners of Money Matters should be well protected however if you followed
our warnings).
 
The markets look absolutely DIRE and if there ever was a time a major crash
was setting up to occur it is now. A "CAPITULATION" event is nearing with
perhaps 2 or 3 "CAPITULTATION" sell offs in the months to come. We can
probably look for the first HUGE crash in the near future. I repeat, the
market level is at RED ALERT.
 
Those that doubted my "you ain't seen nuthin yet" mantra are now "seeing
somethin' now" aren't you?
 
Next test levels are 6100, then 5900, the 5500 mark being a major support.
DOW 2500 is now possible with a DOW 1500 level in the FALL also beginning to
look do-able.
This market is DANGEROUS and if you think it is over, you are about to lose
even more money. (Yes that is possible !)
 
Could the market rally? 
Of course. Calling market movements' short term is foolhardy, but
indications are that fundamentally there is little good news to bring back
investor confidence. 
"POP" rallies and technical short covering rallies are to be expected but
long term the direction is probably DOWN. 
A slow grind over this next year and beyond.
"Sucker" rallies will occur. This is Mr. Markets ruse. To suck in every last
dollar then trash them in an attempt to complete its destruction. 
It is still happening. Just today on CNBC I saw the same fool that called
the "bottom" at 7500 a few months back rant and rave he thought we would
start higher soon.
His reasoning? 
Cheap stock valuations and lots of money in cash waiting to be deployed back
INTO the market.
My answer?  Once a fool, always a fool.
There may be a lot of cash on the sidelines, but there is still a lot of
cash IN PLAY in the market to be taken by Mr. Market.
Cheap stock valuations? 
Hardly. P/E ratios and earnings are based on trailing earnings and/ or
future expectations. YEAH, they are reliable! NOT!
For stocks to be cheap historically based on earnings now, I am looking at
DOW 3000 or so. IF earnings tank more, a healthy PE of 4 or 5  with dividend
payments of about the same amount could bring the market to 1000. OUCH !  We
will see.
 
What you are seeing:
Recession or Depression- This is academic. Who really cares. The fact
remains you are witnessing a "balance sheet" reversion, not a credit induced
correction.
Huh? 
In other words, most "recessions" are caused by credit contraction brought
on by a meddling Federal Reserve raising interest rates to slow inflation,
which was brought on by the same Federal Reserve LOWERING rates to encourage
or "solve" a problem. (sound familiar?) .
These types of corrections cause setbacks and can be improved somewhat by
lowering rates again. Hence the business cycle is borne.
BUT THIS TIME, (and this TYPE of recession , depression ) is brought on by
the an ever increasing DEBT load reaching its breaking point. 
Consumers and business's AND countries are tapped out. They can take on NO
MORE DEBT. Even if they did "get the banks lending again', you cannot push
on a string. The consumer CANNOT AFFORD to take on more debt, so confidence
and the ability to borrow MORE isn't there.
 
His BALANCE SHEET must be repaired and THAT can only happen by NOT
BORROWING< NOT SPENDING< AND PAYING DOWN OR DEFAULTING ON THE DEBT. 
PERIOD. 
You will NOT SEE any improvement, and it is foolhardy to think it so. By
getting the banks "lending again" you can reinflate the bubble.
The BUBBLE WONT REINFLATE. You either PAY OFF THE DEBT  by working and NOT
SPENDING ( called saving, remember that?)    OR   defaulting (not paying )
on the debt.  
YOU ARE SEEING BOTH RIGHT NOW !   And THAT'S how we got here!   Easy as pie
eh?
 
 
What to expect:
MARK TO MARKET rules will be lifted and replaced with MARK TO MAKE BELIEVE.
( Show # 60 March 19th). What this means is whereby banks and the like have
to value their assets at what they will bring currently in the market, THAT
rule will be changed to MARK TO MAKE BELIEVE, meaning now they can put
lipstick on a pig and say the assets are worth whatever they THINK they are
worth. 
Like I said: "MARK TO MAKE BELIEVE".  This will lower the reserves (cash)
that the banks have to hold and make their balance sheets LOOK BETTER. 
Will they BE BETTER?  
Absolutely not. But they will LOOK BETTER and the firms won't have to raise
so much cash. Expect something along these "accounting" rules to be changed.
The markets will rally on this news. How much? Hard to tell, but probably a
strong multiple hundred points or more in the following days. Remember that
term. "MARK TO MARKET" and watch for it.
 
You may now also see the possibly of FED INTERVENTION into the markets,
actually buying stocks. IF things get REALLY BAD, this is a remote
possibility.
For now, a MAJOR 1000 pointer sell off would not surprise me. HEDGE  HEDGE
HEDGE or be at NO RISK in the vehicles we have been recommending.
The FEDS may try to "juice" the market if the sell off continues. A "Market
Holiday" is also possible if the slide continues.
 
The Upcoming Problem:
There are many, but here is the jest. 
Losses on pensions, banks, companies, investors and more are reflecting a
9000 DOW level of 2 months ago.
We have seen a 2000 point sell off in just the last month or so. THESE
LOSSES ARE YET TO BE POSTED and will show up in the news media soon. You
will see huge pension funds like CALPIRS and others that will announce
losses on their total holdings of 50 % and more. The banks losses will mount
as well as losses throughout the country and the cries for help will be
deafening.
The Pension Benefit Guarantee Corporation (PBGC) that insures some large
pensions will be stressed to breaking and the FEDS will give them money.
Hundreds of pension plans will be screaming for compensation as will
hundreds of thousands of retirement plans, insurers, companies- you name it.

WHEN THE LOSSES OF THE LAST 2 MONTHS FINALLY GET PLUGGED INTO BALANCE SHEETS
IT WILL REVEAL DEVASTATION BEYOND BELIEF.
I am sorry to say it again. "You ain't seen NUTHIN" YET!!"'
 
More banks, insurers, companies, cities, states will faint over dead when
they add up the recent 2000 point sell off and demand "something be done!".
This will tempt the Government to throw even MORE MONEY at the problem, as
if they haven't thrown enough already. Listen carefully to me once again.
 
IT WONT BE ENOUGH!
 
The losses are piling up and increasing the speed of the spiral downwards.
We are witnessing 35 years or more of DEBT now demanding payment and it is
sucking in everything of value in its search for satisfaction and payment.
 
 
IT WONT BE ENOUGH!
 
 
The "other " Upcoming Problem:
Gold is sniffing this problem- How can the Government PAY for all this. We
know the answer to that.  They cant. They will borrow it or print it. Both
are actually the same thing.
The world is incredibly still loaning our deadbeat uncle "Uncle Sam" money,
but that is desire to do so is waning. Gold is signaling investors are
searching out protection from all this debt and rising, as with silver. Oil
is also a cousin in it's birddog ability but more dependent on spending. As
the world tires of loaning "Uncle Deadbeat Sam" money, interest rates will
rise as they are now. US TREASURIES will fall, and investor will no longer
take a lousy half a percent or ZERO percent interest on treasuries as they
are now. When we see interest rates start to rise quickly, the jig may be
up. Watch interest rates for your clues. 
 
The "Other -Other" Problem:
Uh oh! Guess whose back.. Mr. Inflation has peeked his head out. 2 recent
indicators surged up and could be indicating what is coming. All this
printed money chasing too few goods and prices may start to rise again. The
rock and hard place we've been warning about. THIS would put a HALT to
further bailouts and money creation if Mr. Inflation yawns and comes out to
feed. Stay tuned. THIS could be a REAL problem if indeed it is awakening
this soon in the game.
 
More Bailouts:
The housing plan (s) were increased on a massive scale as I said they would
be since last fall. (told ya!). Here's the inside scoop. 
Come closer-  shhh!  Here is my little secret.................
 
 
Told tell anyone but there will be ANOTHER !  YES SIR!   
 
You can count on MORE FREE MONEY TO DEADBEATS as the losses mount. Remember,
by keeping people in their houses, the BANKS DON'T GET THEM BACK! The truth
of the matter is BANKS DON'T WANT THEM BACK AS THEY GO DOWN!  They want YOU
to take the hit. Then when they hit bottom, THEN THEY WILL TAKE THEM BACK,
but for now, they are not dumb. Let's figure a way to keep the people in the
losing asset!  
Hummm., didn't think of that one did you? And if you don't default, they
don't have to write down the loss..................YET. 
So it saves their balance sheets some pain.   And of course the government (
YOU ) will pay for it.
Estimates for our newest bailout is 70 billion. BAH!     You know what their
past record is of forecasting budgets. Try 700 billion. And then....
 
IT WONT BE ENOUGH!
 
 
 
And More Bailouts:
Bond insurers, the auto companies, states, more banks, credit card
companies, big manufacturers, farmers, growers, states, insurance companies
( AND YES- AIG AGAIN!) 
You name it, the "OBAMA NATION"  or "OBAMINATION" is about to explode. And
don't forget about "National Health Care". OH MY!   Can you say the word
"quadrillion?"
Maybe not yet, but you will..    yes .. you will..
 
Holdings:
No change but I will reiterate past recommendations again.
 
For now, and for the last 2 years, you should have most of your money in
what I call "NO RISK" models.  Bank CDS     FDIC INSURED  T BILL FUNDS
Continue to hold or add. There will be a time to bail but it is not here
yet.
 
Gold and Silver in possession and in funds and stocks. SLV is moving again,
up from about 10 where we said "GET IN"  back in December. We suggested
large holders SELL some when it hit 14 and change and wait for the pullback
which took place. You can establish new positions anytime. Physical gold and
silver has a longer wait now for delivery but still ADD.
UNWPX is a fund to play this. DGP is a leveraged 2 times fund and is more
dangerous but will make more if gold goes up.
 
Oil- Moving now and will follow inflation which is now heating up. DXO
USO  moving nicely, Also USL is another you can look at.
 
Dividend Payers-  Reducing but not cutting dividend altogether. (except 2 on
our list so far and we sold those and you should have to) . A lot of these
are energy stocks and that will soar with inflation. HOLD     ( I was asked
when I will update the Dividend Payers list- We JUST DID but the markets are
moving so fast I have to again- It will be available on the new website).
 
Hedging- Hold contrary stocks and funds as suggested to offset these stocks
and any stocks you have elsewhere. BEARX for those who have it. It is now
loaded, so if you don't own it already, use others like DOG  SKK SCC  etc .
There are many. These are "contrary or bear"  funds. They usually move
opposite the market and are screaming upwards right now.
 
Foreign currencies- You should have SOLD all FXE ( or Euro ) positions per
our email  3 months ago. Europe is in turmoil. If a smaller European country
pulls out of the Euro for financial reasons, there is a chance it will be in
serious trouble- SELL all Euro positions.    Continue to hold YEN    AUSSIE
and CANADIAN positions.
 
Swiss Annuities; HOLD ADD      
 
Retailer shorts- SCREAMING UPWARDS    RIDE SALLY RIDE.   Take profits all
the way down to DOW 2500. Go on vacation~
 
Interest rates funds: RRPIX    ADD    protect against a falling dollar.
Slowly rising from the ashes.
 
New Position- TBT  - Shorts US treasuries 20 year.  We may ease into this
over time. This protects against a falling US dollar like RRPIX but is a 2
times fund.  Moves quicker and is more volatile. This fund will move DOWN if
the US dollar rallies, which it may. This is a long term protection hold for
a small percentage of funds.
 
 
Upcoming Shows:
March 12th-  Obama vs. FDR-       And of course market action- what else is
new/   NOON
March 19th   Mark to Make Believe'         and of course MARKET ACTION ( if
we still have one)
 
Consults:
Moving along nicely with John T's help.
Kudos to Jen for doing a nice job of handling the volumes of emails.
Caught like a deer in the headlights?  Need to talk or a shoulder to cry on?
Email me. I will make ROOM FOR YOU!
 
All for now, markets look to open down in 2 hours.      Again..
 
Marc
 
 
 
 
Where I buy some of my gold:   <http://www.KFOK.ORG.> "Possession Gold" 10%-
Standard Gold Eagles, Buffalos, Kruggerands, Silver Maples. Gold Pandas
Generic Rounds. Peace Dollars or Morgans. You may contact:
 <http://www.KFOK.ORG.> Monex Deposit    David Feldberg  x 2216
4910 Birch St., Newport  Beach  Ca  92660
1 (800) 949 4653  (GOLD)   ext 2216   Refer to Marc Cuniberti and Money
Matters for best pricing/service. Take delivery and store in a safe place.
You may have 25 % of this amount in silver and the remaining 75% in gold.
Buy only generic 1 ounce rounds or ounce bars, no collectibles. You may buy
any 99 % pure gold or silver assets but pay no more then a few dollars over
spot. Again, buy NO Collectibles, No Margin account, No Commodity accounts.
Take delivery of standard coins only.



 
 
Do Not Reply to this message directly.

Direct all questions or comments to  <mailto:Moneymatters@kvmr.org>
Moneymatters@kvmr.org.  
All comments or questions must be less then 3 sentences in length and must
not contain any links or articles.

You can access past updates at:
<http://mailman.jtan.com/pipermail/money-matters-l/>
http://mailman.jtan.com/pipermail/money-matters-l/
 
The views expressed here are opinions only.


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 resonsible 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.
 
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.


Produced and Hosted by Marc Cuniberti
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.
"Money Matters"  and "Your Money Matters" is aired throughtout Northern
California and the State Capitol.
Northern California's  # 1   "alternative"  economic show.
"Know the Truth and the Truth Shall Set You Free"                  John 8:32
89.5  105.1  95.1  103.7   FM Radios throughout Northern California and the
State Capitol.
Worldwide on the web at WWW.KVMR.ORG and on KFOK FM RADIOS
 










 
 
 
 
 




 
 
 
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From bayareaprocess at att.net  Tue Mar 10 03:15:11 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Tue Mar 10 03:15:52 2009
Subject: [Money-matters] Money Matters Update News
Message-ID: <F015CA8C6A534B96A4530D666CCE54C5@Marc>

NEW:
KVMR on Facebook
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.
 
Upcoming Show
This Thursday NOON
 
Obama vs. FDR
What they offer..
 
Marc
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From bayareaprocess at att.net  Thu Mar 12 03:10:07 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Thu Mar 12 03:10:37 2009
Subject: [Money-matters] Money Matters Update March 11  2009
Message-ID: <80EF93F06E024CEBA2CCA100C9F4B97F@Marc>

Marc's Notes:
Markets got a POP rally yesterday on news CITIBANK said they made money if
they don't count what they lost.. WHAT??????????????????
 
Really, that's what they said. They claimed a PROFIT ~  Then why the hell
did we GIVE THEM MONEY????  OF course their "profit" was only if they didn't
count their losses on subprime. Wish you and I could not count our losses!
 
I think the rally was a one day wonder and was overdue anyway. We will see
if it holds. 
 
The mortgage giant FREDDIE MAC asked for 30 billion more tonight. As I said-
"It wont be enough".
 
News is hitting the wires daily on bailout after bailout. It's a daily event
now, totaling TRILLIONS. When they do finally succeed in getting the banks
"lending again", you will see inflation rear its ugly head, and in a big
time way. For now, the market is still vacuuming up money; make sure it
doesn't get yours.
 
Market bias is still negative until we see otherwise. If it starts to break
down again, expect a retest of the 6500 level, on its way to 6100, possibly
5850. ( YIKES)
 
News on MARK TO MARKET is out, as I said it would. It will be changed to
"mark to market"  to "Mark to make believe".  In plain English, the banks
will put lipstick on a pig and say their subprime loans are worth more then
the market is willing to pay for them..
 
Barney Frank (remember him? He was in control, or non control) when all this
happened, Anyway, Mr. Frank now wants to reinitiate the UPTICK rule, which
states short sellers cant short sell a stock until it ticks UP first. They
just suspended this rule a year ago. But now since the markets aren't going
the way they want them to go, they change the rules. 
THIS IS PART OF THE PROBLEM. Since market participants don't know the rules
since they are changing so much, they don't want to participate. The FEDS
don't realize that their incessant meddling is making things worse. 
 
Mortgage applications rose today, a sign people are refinancing again. More
of the same. Well, if you can get a cheaper mortgage, why not right?
 
People are asking me if they should stop paying their mortgage to get a
better rate. You CANT get much help unless you show them you are a deadbeat.

Soooooooooooooooooooooooooooooooooooooooooo... I cant in good conscience
tell you to default but cant blame you for wanting to. After all, if you're
not on the receiving end of all this free money, brothers and sisters, you
are on the paying end.  Your call. Now even normal people are thinking about
"wheres' mine?"   I cant blame you.
 
It's the result of a world gone mad where successful people pay for the
failures of others. Its called THEFT, also known as socialism.
Keeping men and women from the results of their folly will fill the world
with fools.
 
Keep an eye on the news. It will be the market mover for the next few weeks.
 
What's coming:
You can count on MORE FREE MONEY TO DEADBEATS as the losses mount. Remember,
by keeping people in their houses, the BANKS DON'T GET THEM BACK! The truth
of the matter is BANKS DON'T WANT THEM BACK AS THEY GO DOWN!  They want YOU
to take the hit. Then when they hit bottom, THEN THEY WILL TAKE THEM BACK,
but for now, they are not dumb. Let's figure a way to keep the people in the
losing asset!  
Hummm., didn't think of that one did you? And if you don't default, they
don't have to write down the loss..................YET. 
So it saves their balance sheets some pain.   And of course the government (
YOU ) will pay for it.
Estimates for our newest bailout is 70 billion. BAH!     You know what their
past record is of forecasting budgets. Try 700 billion. And then....
 
IT WONT BE ENOUGH!
 
 
 
Holdings:
No change but I will reiterate past recommendations again.
 
For now, and for the last 2 years, you should have most of your money in
what I call "NO RISK" models.  Bank CDS     FDIC INSURED  T BILL FUNDS
Continue to hold or add. There will be a time to bail but it is not here
yet.
 
Gold and Silver in possession and in funds and stocks. SLV is moving again,
up from about 10 where we said "GET IN"  back in December. We suggested
large holders SELL some when it hit 14 and change and wait for the pullback
which took place. You can establish new positions anytime. Physical gold and
silver has a longer wait now for delivery but still ADD.
UNWPX is a fund to play this. DGP is a leveraged 2 times fund and is more
dangerous but will make more if gold goes up.
 
Oil- Moving now and will follow inflation which is now heating up. DXO
USO  moving nicely, Also USL is another you can look at.
 
Dividend Payers-  Some are reducing but not cutting dividend altogether.
(except 2 on our list so far and we sold those and you should have too) . A
lot of these are energy stocks and that will soar with inflation. HOLD     (
I was asked when I will update the Dividend Payers list- We JUST DID but the
markets are moving so fast I have to again- It will be available on the new
website).
 
Hedging- Hold contrary stocks and funds as suggested to offset these stocks
and any stocks you have elsewhere. BEARX for those who have it. It is now
loaded, so if you don't own it already, use others like DOG  SKK  SCC  etc .
There are many. These are "contrary or bear"  funds. They usually move
opposite the market and are screaming upwards with market falls.
 
Foreign currencies- You should have SOLD all FXE ( or Euro ) positions per
our email  3 months ago. Europe is in turmoil. If a smaller European country
pulls out of the Euro for financial reasons, there is a chance it will be in
serious trouble- SELL all Euro positions.    Continue to hold YEN    AUSSIE
and CANADIAN positions.
 
Swiss Annuities; HOLD /ADD      Email me for free booklet.
 
Retailer shorts- SCREAMING UPWARDS    RIDE SALLY RIDE.   Take profits all
the way down to DOW 2500. Go on vacation~
 
Interest rates funds: RRPIX    ADD    protect against a falling dollar.
Slowly rising from the ashes.
 
New Position- TBT  - Shorts US treasuries 20 year.  We may ease into this
over time. This protects against a falling US dollar like RRPIX but is a 2
times fund.  Moves quicker and is more volatile. This fund will move DOWN if
the US dollar rallies, which it may. This is a long term protection against
the falling dollar as they print trillions.
 
Upcoming Show:
Tomorrow at Noon-  Obama vs. FDR.  Learn all about it~
Also market coverage. The Dow is down 1000 plus points since the last show.
Holy cow! Keeping up with this is mind boggling~ You need to TUNE IN.
Don't miss it.
 
Website:
Almost finished. Look for newspaper ads and other announcements when we
launch it.
 
 
All for now, shoulder soar again. Sorry these are short.
 
Marc
 
NEW:
KVMR on Facebook.
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.
 
 
 
 
Where I buy some of my gold:   <http://www.KFOK.ORG.> "Possession Gold" 10%-
Standard Gold Eagles, Buffalos, Kruggerands, Silver Maples. Gold Pandas
Generic Rounds. Peace Dollars or Morgans. You may contact:
 <http://www.KFOK.ORG.> Monex Deposit   David Feldberg  x 2216
4910 Birch St., Newport  Beach  Ca  92660
1 (800) 949 4653  (GOLD)   ext 2216   Refer to Marc Cuniberti and Money
Matters for best pricing/service. Take delivery and store in a safe place.
You may have 25 % of this amount in silver and the remaining 75% in gold.
Buy only generic 1 ounce rounds or ounce bars, no collectibles. You may buy
any 99 % pure gold or silver assets but pay no more then a few dollars over
spot. Again, buy NO Collectibles, No Margin account, No Commodity accounts.
Take delivery of standard coins only.



 
 
Do Not Reply to this message directly.

Direct all questions or comments to  <mailto:Moneymatters@kvmr.org>
Moneymatters@kvmr.org.  
All comments or questions must be less then 3 sentences in length and must
not contain any links or articles.

You can access past updates at:
<http://mailman.jtan.com/pipermail/money-matters-l/>
http://mailman.jtan.com/pipermail/money-matters-l/
 
The views expressed here are opinions only.


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 resonsible 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.
 
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.


Produced and Hosted by Marc Cuniberti
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.
"Money Matters"  and "Your Money Matters" is aired throughtout Northern
California and the State Capitol.
Northern California's  # 1   "alternative"  economic show.
"Know the Truth and the Truth Shall Set You Free"                  John 8:32
89.5  105.1  95.1  103.7   FM Radios throughout Northern California and the
State Capitol.
Worldwide on the web at WWW.KVMR.ORG and on KFOK FM RADIOS
 










 
 
 
 
 
 
 
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From bayareaprocess at att.net  Thu Mar 19 15:31:16 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Thu Mar 19 15:32:20 2009
Subject: [Money-matters] Money Matters Update  march 19  2009
Message-ID: <D61E1D1E43AB4413B7E186B66670B924@Marc>

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From bayareaprocess at att.net  Wed Mar 25 00:09:37 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Wed Mar 25 00:10:08 2009
Subject: [Money-matters] Money Matters Update March 25 2009
Message-ID: <974C8C9F1DD34F109844FE3445AD7158@Marc>

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From bayareaprocess at att.net  Sun Mar 29 03:29:34 2009
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Sun Mar 29 03:30:54 2009
Subject: [Money-matters] Money Matters Update  March 29  2009
Message-ID: <3282B6698E764214B5B6AD879E21E251@Marc>

Marc's Notes:
The markets meandering around the high 7000's and looking for direction. 
 
Market status is neutral until we see if the rally can hold. Gold and Silver
are flat. The world waits to see if the latest and greatest bailout will
stick. (it wont). I expect we may see a month or 2 of a hope bounce as money
flows into the latest bear market sucker rally. These rallies can be
seductive and convincing. They are designed to suck in the very last penny
of investors then trash them again. The signs of a market bottom do not yet
exist so I doubt we have seen it.
 
Ask yourself if fundamentals have changed and you will agree they have not.
Unemployment to debt are no better and arguably worse. Remember the old
market saying "Sell in May and go away" meaning markets start descending
starting in May.  Spring is usually the STRONG period,  so with little to
celebrate this spring, summer may disappoint and I suspect the fall will be
like last fall- Downright ugly. 
For now, ride what rally we get and unload your regular mutual funds your
other  broker bought for you. Replace them with contrary stocks, dividend
payers, gold and silver and foreign currencies. Move what money you can
offshore. The OBMANATIONS are coming for your money under the guise of "Its
good for America".
 
The old "Tax and Spend" has been replaced by "Invest in America".   In other
words, redistribute wealth from those who have it to those who don't. 
You cannot increase wealth by dividing it and the government cant "create
jobs". But they will try. Expect the US dollar to meander as well for now,
until inflation rears up. THIS is the monster that will end the party. The
FEDS are trying to reinflate any bubble they can and get the banks "lending
again". When they get their wish, inflation will be our undoing.

Now is the time to start thinking inflation protection as IT is coming to a
economy near you. That means those holding energy, oil, dividend payers,
agri- funds ( DBC) foreign currency, gold and silver funds will all stand to
make money in the months and years to come. Hold and Add.
 
For now, you are looking at a probably BEAR MARKET RALLY which could last to
10500 or just peter out soon. Use it to unload profits like our OBAMA plays
and other LONG funds.
I will be using it to make some DO RE ME on oil, like DXO  USO  GLD  SLV and
others.
 
Real Estate is showing some temporary stability in the last few weeks but
will grind slowly lower over the months ahead. 
 
Expect news on pensions, interest rates, failed Treasury auctions, major
homebuilder going broke, change in accounting rules, more regulations on
everything and more bailouts. 

MORE PRINTED MONEY and TRILLIONS of it.
 
You have been given ANOTHER REPRIEVE. USE IT! 
 
Protect yourself because "You aint seen nuthin' yet!"  and I mean it. It
aint over and the fat lady isn't even warmed up yet. 

Holdings: 
 
See previous emails but consider TBT to hedge you if you have a lot of bank
cds. You have time as the US dollar wont crash tomorrow, but consider it if
you have a lot of US dollar holdings. Need to meet with me to discuss?
Email Jen and she will set you up. I don't charge much because I want to
help. 
 
 
Upcoming Shows:
None until April but that could change.
 
Website:
Coming.. We are almost finished!
 
Consults from last pledge drive:
Plowing through them and enjoying meeting all of you.
 
Need to refinance?
I still think some of you can save some money here. I am looking into it
myself!
Check out the rates coming out of the FEDS recently. They may move lower but
if you have a higher rate, contact our volunteer broadcaster: He helps with
Money Matters and deserves our attention.
 
John Taber
Residential & Commercial Loan Officer
Delta Home Loans
2428 Nevada City Highway
Grass Valley, Ca. 95945
(530) 478-8383 Office
(530) 913-9153 Cell
(530)478-0242 Fax
 
He's a good guy and will let you know if you can save some money. 
 
All for now,
Marc
 
 
Where I buy some of my gold:

 <http://www.KFOK.ORG.> "Possession Gold" 10%- Standard Gold Eagles,
Buffalos, Kruggerands, Silver Maples. Gold Pandas   Generic Rounds. Peace
Dollars or Morgans. You may contact:
 <http://www.KFOK.ORG.> Monex Deposit    David Feldberg  x 2216
4910 Birch St., Newport  Beach  Ca  92660
1 (800) 949 4653  (GOLD)   ext 2216   Refer to Marc Cuniberti and Money
Matters for best pricing/service. Take delivery and store in a safe place.
You may have 25 % of this amount in silver and the remaining 75% in gold.
Buy only generic 1 ounce rounds or ounce bars, no collectibles. You may buy
any 99 % pure gold or silver assets but pay no more then a few dollars over
spot. Again, buy NO Collectibles, No Margin account, No Commodity accounts.
Take delivery of standard coins only.
 <http://www.KFOK.ORG.> 
 <http://www.KFOK.ORG.> 
 <http://www.KFOK.ORG.> 
 <http://www.KFOK.ORG.> 
 
Do Not Reply to this message directly.

Direct all questions or comments to Moneymatters@kvmr.org.  
All comments or questions must be less then 3 sentences in length and must
not contain any links or articles.

You can access past updates at:
http://mailman.jtan.com/pipermail/money-matters-l/
 
The views expressed here are opinions only. This website does not represent
KVMR or KFOK radio in any way and is the sole property and production of
Marc Cuniberti.

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.
 
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.
 
 
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


Produced and Hosted by Marc Cuniberti
Money Management Radio and Money Matters is the sole property of Marc
Cuniberti and all rights are reserved.
"Money Matters"  and "Your Money Matters" is aired throughtout Northern
California and the State Capitol.
Northern California's # 1   "alternative"  economic show.
"Know the Truth and the Truth Shall Set You Free"                  John 8:32
Carried on bandwidths:  89.5  105.1  95.1  103.7   FM Radios throughout
Northern California and the State Capitol.
Worldwide on the web at WWW.KVMR.ORG and on KFOK FM RADIOS
 
 
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