From bayareaprocess at att.net  Thu Feb  4 15:30:54 2010
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Thu, 4 Feb 2010 07:30:54 -0800
Subject: [Money-matters] Money Matters Udpate
Message-ID: <5F85E89FE5C644E1AB224DAF5AE2BF6E@Marc>

First of all, let me thank all of you for pledging to KVMR in these times of
economic stress. Not only for the station but for me AND YOU as I know the
thank you gifts like the newsletter, the consults and the website will help
protect YOU and our community from Wall Street stealing our money and going
out to eat with our money in New York, or buying mansions in the Hamptons. 
We have to keep our money HERE in Nevada County to help Nevada Countians,
not pad the pocketbooks of Wall Street crooks.
That being said lets cover the markets. 
Dow 10,750 was close enough. Technicians who follow the Dow, called Elliot
Wave Theorists tell us 10,500 was the turn point to look for. I mentioned
that markets usually never do what they are expected to and IF the Dow got
to 10,000 (I thought it would turn in the 9000's), then my expected turn
points would either be 10,250 or 10,750. (See late 2009 updates).
The Dow turned at the latter thereabouts and now is looking more like lower
lows and lower highs are in store. (A falling market). Where she stops,
nobody knows!
 
Right now, the Dow is starting to crack DOWN through 10,000. UH OH!
My orange alert may change to RED soon. I sold 10 % of my long positions
this week and put orders to sell out another 5 % or so if the market cracks
10,000.00 
I also bought SCC, a contrary fund that shorts services and retailers. I
still hold a ton of dividend payers so I needed more coverage. I still hold
natural gas for a long term play on a beat up market, but realize if the Dow
starts to free fall, EVERYTHING will go with it. Gold stocks, oil stocks,
foreign stocks, and foreign currencies. you name it, down it will go.
Massive sell off once again. Everything but CASH will be hammered. Oh,
contrary stocks will go UP and make money however. 
Now the questions becomes "What now".
Well, that's a tough one. Fundamentally, this market should go to the 6000's
again, but the FEDS and CNBC spin this so much, investors really can't get
any truth on the markets.
Yes, Money Matters aims for the truth, but we are a very small mouthpiece in
a very LARGE world, so relatively few hear us. But you can help by spreading
the word and passing out the shows. You have my full permission to pass out
the shows and newsletters, sign up others to the newsletter and subscribe to
the site if you feel you need the material. Yes, some of it COSTS money, but
the money covers the website only. I 'm not making millions on it.
It barely pays for itself so ITS NOT THE MONEY to me, its educating my
fellow humans about the greed and crooks and fools ruining this great
nations that your fathers and mothers and my fathers and mothers and sisters
and brothers fought and died for. These people are destroying our rights,
our freedoms and our futures.
 
I am posting the main points to last Mondays show about the 4 fatal flaws in
investing and advisors at the end of this letter. It is the actual script of
the show so it will have changes, mistakes, notes- everything I use to do a
show. It was not edited as it is the actual show notes I use. I don't have
time to rewrite it so you get it like I read it. It's actually quite
interesting to those wondering how I do a show. I use these notes. Anyway,
look for it at the end of this letter. It has some great points in it and
think it is one of my best.
Markets are now in "TEST" mode. Will this be the slide that turns into an
avalanche? Or just a temporary set back. One thing is for sure, many
investors have their finger on the trigger due to the last time they were
burned just last year. That crazy falling market is fresh in their minds.
They are ready to head for the exits if an economic market fire breaks out
in the form of a fast slide. I am holding my breath. The next fall could be
breathtakingly fast. Prepare your stops and contrary funds and keep most of
your money safe OUT of the stock market. Buy physical gold and silver
always, get money OUT of the USA and have some foreign currencies. I am in
talks constantly with EVERBANK about a new NO RISK product where you can own
foreign currencies. I will keep you updates as soon as I know more. The
DREAM PORTOFOLIO will be update soon and I will post it as soon as it is.
The SUPER DIVIDEND PAYERS LIST was JUST updated and is available now on the
website. www.moneymanagementradio.com.
 
All for now. 
Show text below.
Marc
 
SHOW # 85  January 2010 Pledge Drive 
This show is about money, as money does matter, and the matters of money
effect us all in some way or another. Whether you have a lot of it or a
little or it, it controls our economy, our country, our planet and in some
way or another controls the very way we live our lives. Its about your
money, your lack of it or abundance of it, it's about our lives and
livelihood, in short it's about you. 
 
 
This is a special Pledge show, the regular Money Matters show will air  the
third week of February. But todays show is a special show. For one we are
rounding out our membership drive and I decided to do this show to try and
explain just why it is important you pay attention to your money yourself. I
no longer want you to allow someone to handle your money, or at least
consider the possibility that YOU can manage your account with just a few
hours of instruction and guidance. Of the thank you gifts we are offering
today, there are 2 that I think that most of you should take of advantage of
at least ONE of them, because either of them, depending on your situation
will save you probably thousands of dollars over the long run, AND allow you
to truly understand how to handle your money and why you should do it your
self.
I am going to try and convince you to meet with me by pledging to the
station today during the show, OR by at least allowing yourself access to
the moneymatters website so you can finally understand why we buy  what we
do, what true diversification is, and why most if not almost ALL investors
and financial advisors and probably your portfolio got CAUGHT in the market
crash and how Wall Street managed to GET YOUR MONEY. What you have been told
and taught by all that financial media and what you have been taught and
told by your financial advisors and those firms managing your funds is
WRONG. IS a lie. For if it was true, you WOULDN'T HAVE LOST MONEY in the
last market downturn. And how you are probably setting up to LOSE AGAIN if
you still go by what they told you and believe buy and hold what they tell
you to buy and hold will fail again, just like it did.If the market crashes
again, and there is every reason to believe it will, you will lose another
third if not more the next time, and everyone will have that stunned walk
around in a numb daze as you watch your life savings disappear again, only
this time for good. I am not kidding you. If you thought I was right before,
and we WERE, you just wait. You aint seen nothing yet and I am dead serious.
I want to show you, show everyone, that 1) If you don't pay attention to
your money,  it will flee you, and THEY will end up with your retirement. 2)
Money managers, investment firms and financial advisors are giving the WRONG
ADVICE, and again will fall prey to a market crash with your funds, and 3)
that YOU, yes YOU can do it yourself, if your willing to spend as much time
as you do on your cell phone bill, on your own money. Its true, most people
spend more time looking over their cell phone bill then their account with
their life savings in it. You've got to be crazy to give all your money over
to someone who, very well be a nice guy, but really doesn't understand in
the least how to maneuver in a market crash, doesnt understand what true
diversification is, doesn't STILL know that buy and hold is useless, and
doesn't understand the forces in the world that affect markets in ways that
will devastate most advisors and investors.
I am not telling you this to get you to meet with me for the money, trust me
on this one. I am for the most part retired. I care not to do financial
consulting full time money managing and wont do it if asked for any amount
of money. ITS NOT THE MONEY . I want you to LEARN YOUR SELF, how and why you
must manage your own money, your own portfolio, or you will most likely find
in a few years there is none there to manage, as your advisors will take you
down with the ship, all because THEY don't understand what is a work here.
Indeed, if you lost money during the last crash, I want you to listen very
carefully to this show, as it is critical to your financial, indeed your
families future. What I am trying to get you to do today is either one of 2
things. I am going to try and get you to schedule a 3 hours consult with me
or get access to the website. The website has our plan on how to diversify
your money in  way that is unlike any firm or advisor would. If you have
over 75,000 or more in your retirement, then I am going to try and get you
to call and set up a personal meeting with me. The cost for website access
pledge is 250.00. The cost of the pledge for meeting with me is 750.00. Yes
those amounts are more then a 
60.00 cd pledge, but its also more then your cell phone bill, and if you've
got that kind of money in your retirement, then the money I will probably
save you by showing you how to manage  your money yourself will dwarf the
amount of the pledge. To show you I know what I'm talking about, I am going
to tell you some information that would have cost thousands from me long
ago, but now I am going to tell right here on the air what the fatal flaws
in your advisors and most investors thinking is that leads them to ruin in
down markets. 
 
Heres the 4 common faults with most money managers and advisors that I see
over and over again, the same 3 faults, and I want you to think about either
your account or your money manager or advisor as I go thru these.
 
 
 First all, anyone that tells you buy and hold works or that stock markets
go up over the long haul are basically full of crap. 
1)
   buy and hold works fine in up markets, but so does a monkey with a dart
and a wall street journal. Statistically, its been proven time and time
again, advisors and the best of money managers don't beat a dart board or
the market indexs ever in an up market. NEVER. IN an up market ALL STOCKS go
up. Buy and hold works fine in an up market but in a down market, DOES NOT.
Don't believe me? Look at your statement in the last crash. I saw and have
seen hundreds if not thousands of statements. They all hold mutual funds and
every kind of stock known to man. In the last market crash, they were ALL
DOWN. Buy and hold is like an umbrella that only works in the sun. In the
rain, it doesn't work, and if buy and hold doesn't work in down markets, IT
DOESN'T WORK!  You found that out with millions of other investor. SO if you
advisor or firm is like any other advisor or firm, you bought and held all
the way down. Buy and hold doesn't work, doesn't protect you and is MADNESS
in the markets we have today. 
2) markets also go up over the long haul. If you believe this you simply
haven't looked at history, nor haven't studied past markets nor have any
idea what US DOLLAR purchasing power is. I can show you decades of US stock
market charts that show NO GROWTH over 10, 12  or 15 years. Just look at the
last decade for your most recent example. Dow 11750 in the year 2000, DOW
10000 a decade later. TENS YEARS . the most recent 10 years > ZERO GROWTH.
Better yet, a 15 % LOSS.  That doesn't count inflation. Dollar purchasing
value loss. ADD that in and you've lost 35 % or more in the last 10 years.
Use inflation adjustments over the  last century and the  US stock market
has done little better then a no risk US BANK ACCOUNT. And the banks account
is guaranteed NOT TO LOSE value, and no loss of sleep by you. If your
advisor tells you stocks always go up over the long term, he or she is full
of crap.
3) Most advisros, believing markets always go up over the long term, and
always come back, don't have an exit point. People always ask me if I can
recommend an advisor after I tell them I wont do it. I always answer the
same thing. If I find an advisor that can answer one simple question, I
would recommend them. But not one of them can tell me my answer to my
question. My questions? At what point do you sell me out? Simple .. at what
point of loss, either percentage wise or DOW level wise will you liquidate
my stocks. The truth is, no advisor that I know of will answer this
question. They work like this   EXPLAIN   down 5   down 10  down  etc
 
They go from your not down far enough to your down to far to sell. Let me
tell you one thing right now. Your lucky the markets stopped where it  did.
IF the government hadn't stepped in, and literally poured trillions into the
market, your firm or advisor or money manager, believing markets always come
back, would have ridden it AND YOU all the way down, until, strangely enough
to where most people sell, which is where the wife steps in and says we have
to get out with something!  And that point is down 75 or 80 % .. and
strangely enough, that's when everyone sells, its called the climax bottom,
and strangely enough, that's where you should be buying. Like I said, your
lucky the market stopped where it did. So I want you to ask your self, did
your advisor call you and say sell? Did your firm sell all your holdings
somewhere down the slide? Because if they didn't, he fits the fault to a  T
He or she NEVER HAD an exit strategy, they never had a fire door out, they
never really had a plan, and you never had a chance, and that's where all
your money, your retirement was, based on a game of chance, if this
describes your advisor, you are EXACTLY what I am describing. 
 
And the final fault, the 4th common misbelief of advisors and investors?
That owning a basket full of mutual funds and or bonds or a combination of
both is diversified. If your portfolio owns only mutual funds, money market
funds and bonds, you are about as diversified as a wall painted white and
white only. IF you own a basket full of mutual funds, why is that not
diversified? Well what do you all own. All stocks!  And which way does the
market have to go for you to make money? UP. And if you own all US stocks,
the US market has to go up. And remember, even if you own foreign stocks,
ALL STOCKS except contrary stocks, stocks that move in opposite of the
market, If you own one stock or one mutual fund or a HUNDRED.. if the stock
market falls, ALL STOCKS GO DOWN, no matter what company they are,  no
matter country they are in, no matter how big the mutual fund is. In the
last market downturn, and indeed in major future market wipe outs, ALL
STOCKS GO DOWN. So if you own a zillion mutual funds, if the stock market
crashes, YOU CRASH WITH IT. True diversification should be balanced right.
If something goes down, something goes up right. After all, diversification
MEANS BALANCED. And it doesn't mean owning a  basket of mutual funds, that
all depend on a rising stock market, that all depends on an UP market. If
your portfolio from john jones or Merrill lehman or infidelity or John smutx
your  financial advisor holds all bonds and stocks, then again, your are
EXACTLY in what I am specifically warning you against. You are so NOT
diversified, I wouldn't even put my cat into what you hold.  And if what you
hold sounds like exactly what I just mentioned, you don't have a financial
advisor, your have your life savings in someone that not in the least
understands what investing is about, what protecting you is about, and you
are so much in danger it literally gives me the shakes. And one more fatal
flaw in their investing strategy. You know how much I recommend and like
dividend payers. Well first off right now I am advisiong you only have a
very small portion of your money in stocks, and not because of the market
mostly, but because you should not have a big protion of your money in any
one asset. True diversification means owning many other things BESIDES
stocks. Think of a centipede with many legs. Only one leg should be a stock
leg. The other legs are just as easy to own but protect you in so many other
ways and don't listen to nor care about a stock market crash!  You should be
in foreign currencies, some savings accounts, some overseas bonds, some gold
and silver, real estate yes, but only a another legs worth, you should own
some stocks that go UP in down markets, some foreign bonds, some overseas
accounts, MANY MANY different areas, and again only a small portion in
stocks, but just as important,  when you DO own stocks, almost ALL your
stocks should pay you interest . yes   interest .. like a bank account..
interest.. in stocks their called dividends!  Let me ask you, if I own a
stock that pays me 10 % interest in dividends, and you own a mutual fund
that pays you nothing, like most mutuals funds, they don't pay anything,
which way does the market have to go for you to make money. UP!  Explain
what I make... then explain 18 '%  = 4 year double       explain since year
2000    versus no interest.
Same market  I make 2 and half times my money  you sit with zero gains.
 
 
And remember, since all stocks move together, mine will up just like yours
if the market takes off but I make even more, and if the market goes nowhere
, you make nothing, I make 18 % and quadruple my money in 8 years while you
sit waiting for the market to go up, Did you double your money in the last 4
years? Did you quadruple your money in the last 8? Again, if your advisor
has you sitting in non paying mutual funds waiting for the market to go up,
you don't have an advisor that in the least bit understands what safety and
making money really is about.
Their sheep! Their toxic to your money! And they are charging you to boot. 
 
That's why I am asking you to one of 2 things. Call now and pledge to meet
me. Albiet  it is 750.00 but you 1) pay me a ton more if I decided to manage
anyones money, like 10 times more, but I wont do it anyway, 2) you will save
10 times that over the course of a few years doing it yourself, and 3 ) most
importantly, you are at grave risk in my opinion of falling into the traps
of these so called advisors and firms that have NO IDEA what is really safe
and diversified. And its your future at risk, and AT RISK in the most
dangerous of markets since the depression. Trust me on this one. If you
think NBC sent a news crew all the way up here to film my good looks, you
haven't seen me, but know they sent a crew up here because I told you the
banking crisis and housing crash was coming because of what I saw, and now I
am telling you what I see. I see literally hundreds of folks just like you,
at grave risk of flawed strategies from your current firms and advisors.
Look at what you lost and what you hold. Ill bet you a pegged it to a TEE.
If I described you, then either get access to the website, through a pledge
of 250.00 are READ the strategy AND get all the shows that cover it all, or
if you have any money at all to speak of in the market, then pledge to meet
with me, and after about 3 hours, you WILL be able to get rid of those that
could harm you, do it yourself   UNDERSTAND what I am talking about, and for
the rest of your life UNDERSTAND your money. Remember, if your not willing
to spend two hours a year on your life savings, what do you think will
happen. 3 hours with me, then 2 hours a year, that's all I ask. Now how hard
is that. Now I m gonna take a break and you can call now..
Margarita Money Meeting   
Gold silver coins
Money matters news letter
Past shows at least
Membership
Consult
 
 
 
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From bayareaprocess at att.net  Wed Feb 10 03:38:51 2010
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Tue, 9 Feb 2010 19:38:51 -0800
Subject: [Money-matters] FW: Have you seen this?
Message-ID: <E2D28145473F47848FE873C959CDEFDF@Marc>

 
 
Money Matters:
 

This video explains just ONE of the many ways the Government is wasting our
money to the tune of the banks.
 
 <http://www.thinkbigworksmall.com/mypage/player/tbws/23088/1110273>
http://www.thinkbigworksmall.com/mypage/player/tbws/23088/1110273
 
check it out. Simple and easy to understand. (kind of)
 
Marc Cuniberti
 
 
 


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database 4852 (20100209) __________

The message was checked by ESET NOD32 Antivirus.

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From bayareaprocess at att.net  Sat Feb 13 17:29:39 2010
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Sat, 13 Feb 2010 09:29:39 -0800
Subject: [Money-matters] FW: [Money Matters Newsletter] They Want Your IRA!
	MarketsGetting Dangerous! Update February 13, 2010
Message-ID: <64C6E4A47506437CB9F9C6B4C3D35523@Marc>

 
 
  _____  

From: Money Management Radio [mailto:marc at moneymanagementradio.com] 
Sent: Saturday, February 13, 2010 9:29 AM
To: bayareaprocess at att.net
Subject: [Money Matters Newsletter] They Want Your IRA! MarketsGetting
Dangerous! Update February 13, 2010
 

 
<http://moneymanagementradio.com/files/moneymn/shell/simplenews_header2.jpg>



Money Matters Newsletter: They Want Your IRA! MarketsGetting Dangerous!
Update February 13, 2010

Marc's Notes:
The markets temporarily stopped their convulsing and settled down to
bouncing around 10,000 DOW and investors breathed a sigh of relief. While
the Wall Street cheerleaders spin "all is well' in Tinsel Town, market
students and technicians know otherwise. In a nutshell, market fundamentals
are horrible and economic fundamentals are worse.
Unemployment ticked down only thru manipulated figures and consumer
confidence is again waning as Joe Sixpack still doesn't have a job and is
beginning to figure out what he is being told by Washington doesn't seem to
ring quite true on HIS block.
What we are seeing and what I have been saying all along is the only
"improvement" we are seeing is coming from Government spending, but that is
borrowed money.
That's like charging your bills to pay them. That doesn't work. You and I
and any 12 year old know that. But what is really happening here is Obama
and the rest are kicking the can down the road trying to stave off the
inevitable. They borrow more and more and bail out everyone under the sun,
all while feeding trillions to the banking cartel while you and I get stuck
with the bill. Foreign investors incredibly still buy our IOU's but that is
slowing and WILL CONTINUE TO SLOW until the FEDS will have to buy their own
debt (called MONETIZING- Listen to Money Matters Show #3). 
Once that happens, (actually it is happening now but not on the scale you
will see), interest rates will increase even faster and the US Dollar will
tank even more then it is now. Washington will look to anywhere it can to
grab more money to pay its bills and your IRA will be next. 

The IRA grab of 2015.
The year is a guess but here is what is coming. They are already discussing
it in Washington!
This IRA grab will start with some sort of GRA or Guaranteed Retirement
Annuity, or something like that. They will put it out under the guise of
paying back your retirement account from the losses it will incur from the
next stock wipe out. They will entice the masses with a payment of a few
hundred bucks INTO low income and wiped out investors stock accounts and get
THAT payment from higher income earners and those with more then $200,000 in
savings) or some magic number. A portion of your IRA will be FORCED to buy
US TREASURIES. 
YOU ladies and gentlemen will be the BUYER OF LAST RESORT OF US DEBT because
NO ONE ELSE WILL. They will exchange part of your IRA with a payment, much
like a Social Security Payment. The small percentage that will be forced
into buying government debt will increase over time and newly earned monies
from your job will be grabbed in part as well. The masses will be in favor
of it because their IRA's will have been wiped out and they will want to be
made whole again. The promise to do so by the government will be the typical
rally cry that has allowed these grabs throughout history. For the public
good.

It's coming. Our debt is too great. We cannot pay it off. The US DOLLAR will
not survive in its present form. As the government spends more, they will
need more, and they will get it through any means it can. The masses will
clamor for retribution and the Democracy System will allow the 51 % to grab
the wealth of the other 49 %. And that means you.

Now, more then ever, move money OFFSHORE and into gold and silver you hold.
Buy property in another country. Get OFF THE GRID as much as you can and
slowly over time, do so more and more.
The time is not now but you grabbing your IRA before they do is coming.
Think it can't happen? You just wait. Give them more time to run up more
un-payable debt. 
Obama hinted to a "required" retirement plan for each American during his
State of the Union address.  THAT was your hint. Everyone gets one, forced
upon you, but paid for by YOU. And the government begins its take over of
the 15 trillion in retirement accounts. They NEED that money and KNOW its
there and that is a LOT of money.
They want it. And are putting in the first foundations of spin to get it.
You ain't seen nuthin' yet"

Markets:
DOW 10,000 is the line in the sand. Notice we are now going through the
machinations of bear market materialization. That is the DOW is making lower
LOWS and lower HIGHS. Much like a ball bouncing down the stairs, now the
markets look to head lower. 10,000 is the resistance now, but like bouncing
a bowling ball on a windshield, it will break soon. 

Why the bleak call? Too many reason to list them all but here are a few.

1) Insiders are dumping stock and have been for months.
2) The market rise to 10,750 retraces technical points to the T. Bottom
line, the recovery is duplicating past bounces and will fall again as it
usually does after this false type of market bounce.
3) Investors are complacent while the big boys are dumping. Typical.
4) The economy basically stinks. Don't believe the spun numbers.
5) Housing continues to crater. No news there. Look for another 5 to 10
years DOWN. Commercial is the next bailout. Watch for it soon.
6) Retail sales stink if you take out the massaging of the numbers.
7) The "PRICE" of stocks as based on earnings is WAY TOO EXPENSIVE and is
NOT historically where they should be in a "recovery".
8) The FEDS will have to raise rates to defend the US DOLLAR but they cannot
as that would CRUSH the current economic markets. They are caught between
the rock and hard place we have been discussing for 3 years now.
9) Inflation is coming my friends to a store near you, but you will also see
DEFLATION in selective areas. DISTORTED MARKETS make for volatility and
uncertainty. Be wary.

I could go on but don't have the time.

What to do:
Hold and BUY physical gold and silver. There is a contact at the end of this
newsletter.
Hold most of your money in US debt. Make sure all monies are FDIC insured or
other government insured vehicle. Money Market funds DON'T qualify for the
most part.
Hold your dividend payers but PUT STOPS in a 5% below where we are today on
a good portion of your holdings. 
Add and buy foreign currencies to hedge your US DOLLAR holdings. (See Dream
Portfolio) on the website. I will have a new recommendation soon.
Add a Swiss Annuity. This moves money OFFSHORE and can be held in an IRA in
trust. (See the SWISS ADVANTAGE BANNER on the right side of the website and
click it to get a free book).
Those with over $75,000 or so, schedule a consult with me. (Also on the
website or EMAIL us).
Add some interest rate funds to protect against a crashing dollar. A world
event or other "BLACKSWAN" event could cause rates to skyrocket at any time.
(See Dream Portfolio).
Own some oil and natural gas stocks. Buy on dips. Look into USL, USO, UNG,
GAZ and others.
Own some gold stocks and funds.
Own some "contrary" funds to protect what I mentioned above. These are
called SHORT FUNDS or BEAR FUNDS or CONTRARY FUNDS, Don't confuse them with
a fund or funds named CONTRA. Those are NOT the funds I am speaking of.
Stay tuned to MONEY MATTERS and this NEWSLETTER.


Markets:
Expect more volatility. Alert is level remains at ORANGE and getting REDDER.
DOW 10,000 is the new line in the sand. If that breaks and consistently
remains UNDER 10,000, alert level will go to RED as a new level of "plummet"
will be upon us.

Notes of interest: 

Here is a link of interest on explaining a bank and housing bailout. Just
one of them. 

http://www.thinkbigworksmall.com/mypage/player/tbws/23088/1110273. 


Take a look at it when you have the time. It is entertaining as well as
informative.

Upcoming Show this Thursday at noon, PST  February 18th on KVMR 89.5 or
worldwide on the web at www.kvmr.org.

"Should You Stop Paying Your House Mortgage".   Never thought I would do a
show called that!  Now times have changed and I must address it. Tune in.

All for now,
Marc
  _____  

Do Not Reply to newsletter messages directly. 
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The views expressed here are opinions only. This update does not represent
KFOK or KVMR FM radios in anyway and should not be construed as an extension
of either station. It is a private email subscription and is produced by
Marc Cuniberti and does not reflect the views or opinions of the stations,
their management, underwriters or members. All issues regarding this email
should be sent to Marc Cuniberti and/or his agents. 
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. You can become a fan
of MONEY MATTERS on Facebook by going to:
<http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money>
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Produced and Hosted by Marc Cuniberti 
Web Site: http://www.moneymanagementradio.com
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 throughout Northern
California and the State Capitol. 
Marc and Money Matters has been featured on NBC and ABC television and on
various news programs and documentaries.
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 90.1 FM Radios throughout
Northern California and the State Capitol.
Worldwide on the web at KVMR, <http://WWW.KVMR.ORG>  KZFR <http://kzfr.org/>
and on KFOK <http://KFOK.org>  FM RADIOS 
Where I buy some of my gold: What I call "Possession Gold". 
JH MINT
13241 Grass Valley Ave. 
Grass Valley, Ca 95945 (530)273-8175

(Near the Grass Valley Airport off Loma Rica Road)

Tell the salesperson you are a Money Matters Listener and you will get
special discounts,(market conditions permitting). Normal Gold prices are
anywhere from 6 to 11% over New York Spot price. If you are selling, you
should get close to spot when you sell. Buy only standard, or popular gold
or silver coins. I do NOT prefer the generics but would rather have you buy
Silver Eagles or bars. When buying silver, the mark up will be a bit higher
than gold. JH Mint posts prices on its board over the sales counter so you
can see spot at any time. I have dealt with JH MINT myself and found them to
be easy to work with.  You can pay in cash and you will remain anonymous.
I usually buy Gold Eagles, Buffalos, Kruggerands, Silver Maples. Gold Pandas
Generic Rounds. Peace Dollars or Morgans. You may also use my web contact: 
Monex Deposit David Feldberg x 2216
4910 Birch St., Newport Beach Ca 92660
1 (800) 949 4653 (GOLD) ext 2216 You may refer to Marc Cuniberti and Money
Matters and David will know what Marc recommends. 
Take delivery and store in a safe place. You may have 25 % of this amount in
silver and the remaining 75% in gold. I usually 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 percentage points over spot. Again,
buy NO Collectibles, No Margin account, No Commodity accounts. Take delivery
of standard coins only. 
Follow Marc and Money Matters on Facebook
<http://www.facebook.com/topic.php?uid=225256048565&topic=11908#/pages/Money
-Matters/225256048565> . 
 
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From bayareaprocess at att.net  Thu Feb 18 04:24:27 2010
From: bayareaprocess at att.net (Marc Cuniberti/Bay Area Process/KVMR FM/KFOK FM Radios)
Date: Wed, 17 Feb 2010 20:24:27 -0800
Subject: [Money-matters] MONEY MATTERS AIRS TOMORROW
Message-ID: <653ED653C2EF41B28EB6EF9E694057BD@Marc>

Money Matters Airs Tomorrow  Thursday February 18, 2010 at Noon. PST
 
www.kvmr.org <http://www.kvmr.org/> 
 
89.5 FM
105.1 FM
 
 
"Should You Stop Paying Your Home Mortgage".
 
A topic I am asked on a lot. My answers will surprise you.
Tune in
 
Marc
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