From bayareaprocess at att.net  Mon Dec 12 04:51:47 2011
From: bayareaprocess at att.net (Marc Cuniberti)
Date: Sun, 11 Dec 2011 20:51:47 -0800
Subject: [Money-matters] FW: [Money Matters Newsletter] Money Matters
	Update: New Womans Class. Show t...
Message-ID: <A96FB6D86F9A4DEABAFD8B7A70D7C523@marcPC>

 

 

  _____  

From: Marc CunibertiMoney Matters] 
Sent: Sunday, December 11, 2011 8:43 PM
Cc: 'Marc Cuniberti'
Subject: FW: [Money Matters Newsletter] Money Matters Update: New Womans
Class. Show t...

 

.

 

In a message dated 12/11/2011 8:07:20 P.M. Eastern Standard Time,
marc at moneymanagementradio.com writes:


 
<http://moneymanagementradio.com/files/moneymn/shell/simplenews_header-720.j
pg> 

 



Money Matters Update: New Womans Class. Show this week. Market update. 12 11
2011


Marc's Notes:

First off, let me apologize for not putting an update out sooner. With
holidays and articles, pledge drives, consults and shows, to name a few, and
markets kind of quiet, I was plain old remiss.

Onward.

The See Jane Do conferences are now being scheduled. These are women money
management classes. You can do this! We have session #2 coming up which
continues where #1 left off. It will cover offshore money, gold, silver,
annuities, stocks, bank accounts, who and what to avoid and making a plan.
There will be  #1 beginning class for those that missed it and an evening
class for those unable to make it during the day. Email me to put you on the
list. Don't know dates yet. You will learn how to manage your money yourself
in under TWO HOURS PER YEAR! Save those fees and know where your money is!
Especially in these times!

Onward.

 

Vicious Cycles

I am thinking about cycles and how now there are so many of them. We went to
a credit based economy and away from paying with cash in the last 4 decades.
Credit pushed by banks through credit cards combined with advertising
convincing you even if you couldn't afford it, go ahead and "live a little"
and just charge it.

Don't have a high paying job? Charge that nice car, the one your rich
neighbor has. Want that big house? Get an adjustable mortgage, after all,
its all about the payments. Want to live that rich life style? Charge up
that vacation. Take equity out of house and buy some new furniture.

The American dream went from working hard to charging hard on credit cards.
The cycle now is once you have established a credit based economy, you cant
go back with out severe pain.

Credit is debt. Debt has to be paid. Buy it now, and then you have to work
without pay later. There is no free lunch. Credit is just buying now so you
must forfeit even more later.

One way or another you pay.

To foster this credit based economy, the banks cried for easy money from the
Feds and got it. Low interest rates fostered oodles of money and with what
is called "fractional reserve banking, for every dollar the Feds give the
banks, they create 10 more.

This massive explosion of money floods everywhere, driving up house prices,
stock prices, wages, everything you buy. This gives the illusion of wealth
called the "wealth effect". But the money is borrowed don't forget. There is
no real wealth when borrowed; it is just stolen from future income.

Add in the get rich quick mentality from dot.com, day trading, easy credit
and housing booms and the work hard ethic is lost. The real hook here is
with all this easy money sloshing around, it causes all prices to rise.

Good you think? Ah, but an economic fact is wages and salaries never rise as
fast as goods, so you get further and further behind with every day of
inflation. You THINK you are getting richer with higher house prices and
higher stock prices and money sloshing everywhere buying all your stuff in
your store, but the facts are that your WAGES never rise as fast. They are
what we call "lagging" always. So like running a race with a car, you walk 3
miles an hour and I drive 10 mph.

The race is inflation. As you walk this race you appear to be moving forward
(higher stock prices, house prices) but the car pulls ahead with every mile
we race. Simply put, print more money, offer more credit, prices go higher,
your wages lag behind.

With every mile, you fall more and more behind. But it's very seductive.
Inflation feels good and looks good.  No one can put 2 and 2 together and we
dont realize it's the reason why we find it harder and harder to make ends
meet.

My school bus driver in the 60's could afford a house, a Dr. visit, a new
car and all with 4 kids. Try that now!

Ask yourself. Are house prices higher and stock prices higher?

Yes!

Did your wages go up? Yes! BUT NOT QUITE AS FAST!

Couple that with world improving politicians who layer tax upon tax and
regulation on regulation upon businesses, then we wonder why business moves
offshore.

Simply put, we put so many costs on business, they move somewhere cheaper.

Lost jobs combine then with inflation, its immediate effects masked by
credit. This allows decades to pass where the effects of inflation go
unnoticed, until the reality hits that people are broke and getting broker,
yet dont know why. They look for someone to blame but miss the mark. They
blame capitalism, the rich, oil companies, Wall Street, all the while
failing to see its Federal Reserve money policies coupled with pay to play
politics.

Those (the upper classes)  that can afford stocks and investments to offset
inflation survive actually get richer, hence the redistribution of wealth we
see takes place. Its not the fault of these upper classes, they are only
trying to protect thier money, and who can blame them?

Like we have seen in all countries that extend paper dollars and massive
credit, inflation over time erodes the purchasing value of wages until we
see classes move down notches. Lower class goes lower, middle class go lower
middle, upper go to middle, and the lowest class goes homeless. Fewer people
can afford nice lifestyles so the wealth gets more and more concentrated.

We see it in country after country that takes this path. Meanwhile
economically uneducated politicians see the misery and then call for more
assistance through public programs.

The Feds comply, not wanting to appear uncompassionate and lose their jobs,
print more money from air and offer more credit (what we see now) and then
to pay for it all, they print even more, causing more eventual inflation,
which causes more people to slip lower down the income level. As always,
wages don't keep up as prices keep rising, more people then call for more
assistance, then the politicians offer up more programs, paid for by
printing more money, and the race goes on and on.

What few realize is that the very things they clamor for like higher stock
prices, higher housing prices, easier credit, more social programs, more
public spending to "create" jobs, eventually just requires more money
printing, which then continues the viscous cycle above.

More poor, more classes moving lower, the rich get richer, until finally the
currency in question collapses from just plain printing too much of it.

What do we see now offered as remedy? More of the same detailed above just
like the model predicts.

More social programs, more social spending, more job "creation" bills, lower
interest rates to foster even more credit, easy home loan terms and lower
interest rates again to get the banks "lending again".

This (you guessed it) will cause more money printing AGAIN!

Overseas and in the banking system we see no better. These guys (banks)
marked all this debt up and multiplied it a million times and like bankers
standing in a circle making bets with each other, no one really has the
money they're betting, but as long as the bets are made to each other in the
circle, they can claim a profit and pay themselves bonuses.

If the bets ever do blow up, the Feds will just print more to pay the debts
and isn't that what we are seeing now?

First homeowners couldn't pay so they printed their way out of that, then
banks couldn't pay so they printed their way out of that, then insurers of
all debt couldn't pay so they printed their way out of that, then
governments took on the debt that all the banks couldn't pay so they printed
their way out of that.  Now that debt made its way all the way to the top of
the heap. The  Euro central bank cant pay so they are going to us and the
IMF to get money and that again will just be printed up.

Meanwhile the amounts get larger, the debt never goes away, it just gets
shuttled up the ladder because printing faces on paper with colored ink does
not create anything of value. Its just printing faces on paper with colored
ink.

There is no WEALTH there on the paper. Get it?

Viscous cycles exist in the stock market, where it runs up with every
bailout announcement, then falls again as reality sets in.

Vicious cyclical debt never disappears because nobody is willing to let
somebody go under.

No mega bank will be allowed to default on the debt which WOULD make its
debt disappear. It wont be allowed because a whole bunch of people would
have to declare bankruptcy and since they are well connected bankers and
such, they get bailed out.

Now bailouts are the norm.

This is the viscous cycles we now see in bailouts. Once you bail out guy
one, you have to bailout everybody, or the previous bailouts will be futile.

Like the vicious cycle in our wars. They tell us they can't pull out now or
all those dead  boys and girls would have died in vain. So what the hell
kind of answer is that? So now we kill MORE of our kids to make the previous
deaths meaningful?

What kind of lunacy is that?

Viscous cycles in government are everywhere. Your Ex Secretary Treasurer
Hank Paulson was the CEO at Goldman Sachs for gosh sakes.

A bank CEO in charge of the Treasury? You must be joking, yet bank
executives are everywhere in our public treasury and Federal Reserve.
Retired congressmen go to work for hedge funds, banks, investment firms for
past favors bestowed. A revolving door exists between those that administer
our public funds and the banks.

 It's incredible.

Obama's economic Job Czar is the CEO of GE, who outsources tens of thousands
of jobs overseas. In fact GE doesn't make ANY light bulbs in the US anymore.
It shuttered its last plant this year and moved it overseas. GE also paid NO
US INCOME TAX on close to 12 billion in profits!

Are you hearing me?

Viscous cycles, deadly cycles, are everywhere.

>From more Americans wanting handouts to banks wanting bailouts. Once you
start down certain roads, it's all but impossible to turn back.

How you tell welfare recipients their checks will wind down. How do you pull
back on the food stamp programs? How do you tell farmers their decades of
subsidies will stop? How do you stay in office telling the banks their
bailouts will cease? How do you tell pensioners their promise of checks will
be broken? How do you tell the Unions, there will be no more protection? How
do you halt tariffs protecting American products? How do you cease pat downs
at airports? How do you cut education spending? How do you pull out your
troops? How do you reduce government entities and fire their employees? How
do you stop foreign aid? How do you reduce taxes, do away with the lobby
system we have in government and cut back Social Security? How do you stop
buying $100 hammers, stop jobs programs, cut back on infrastructure spending
or stop bailing out bankrupt states?

Simply you cannot or you will get voted out of office, replaced by somebody
who promises NOT to cut. Just look at  the protests in Greece for a prime
example of how the public reacts to cutbacks. Common sense be damned.

There so many put-in-place money showers that the nation is bleeding red ink
from every orifice yet the cuts above are only a handful of things that must
be done to save this country. Increasing taxes on the "rich" will make a
small dent but it's not lack of revenue that is the problem as there is NOT
ENOUGH REVENUE in the world to pay for what is spent and promised to be
spent.

Without the knowledge that overspending and borrowing and printing dollars
doesn't solve anything and realizing that it IS the problem, and doing more
of it only makes it worse, the viscous cycle of our downward spiraling
economy and our upward spiraling debt will continue.

The impoverishment of more Americans will continue and accelerate. With
every program, with every handout, with every bailout, the problem gets
worse.

How do you convince those in power that the very policies they see as
solutions and the very policies they continue to try are the very things
that are causing the problem?

The excuse is always "it wasn't enough, we didn't do enough", but it will
NEVER be enough because those very policies are the PROBLEM!

The cycle of these futile attempts WILL continue because the lack of
understanding the problem continues.
How do you convince those convinced their policies will work that they
won't?

For now, expect the cycles to continue. More bailouts, more banks claiming
to be saved for the systems sake. More Euro problems and more country
bailouts. More money printing, complicated central bank policies you wont
understand, more excuses  and more blame misdirected towards everyone but
the central banks who ARE at fault.
More jobs bills, more people clamoring for public assistance, more poor,
more homeless, more programs. More jobs being lost, more inflation, more
"spin" from Washington on how things are getting better. More mistruths from
the statisticians that inflation doesn't exist, that jobs are being created
and the situation isn't as bad as you think it is.

More deadlock on the budget in the midst of more spending making deficits
grow even higher. More BS and more promises to cut back later. More illegal
searches, more freedoms being taken and more intrusion into your lives. More
people actually calling for MORE government intervention as they don't
realize this IS the problem. More people settling for gruel and grey houses
to just be "comfortable".

I hate to say it, but we've sent his play before and the final acts are
nothing to look forward to. Democracies all end one way, from complacency to
apathy to dependence.

Heed the warnings and protect your autonomy, your assets, your freedoms and
your independence. Be vigilant and be active. Don't be fooled into the spin
and use your head. Educate yourself on money as education is the cornerstone
of progress.

Update on holdings:
Dividend Payers: New Zealand telecom NZT spun off a company and gave us
stock in a new company called Chorus Ltd. You now own stock in Chorus which
is a New Zealand communications company. NZT dropped on the spin off which
is normal. I am holding both for now as both are still scheduled to pay. I
will update you on this as I learn more.

Frontline Shipping FRO has been losing value and I recommend replacing it
with Golar GLNG which has been rising nicely and paying steadily.

Yellow Pages income fund is also struggling but managing to pay. Its so low
now I am holding but will update you as I follow along.

Terra Nitrogen TNH has been doing great, rising nicely, paying us and now
oscillating in the high 100's. Hold it and I will add again if it goes into
the 140's or 130's.

US Investors Gold and Silver fund USERX paid us $2.58 a share in a one time
payment this week. If you had a 1000 shares you got over $2500.00 ! The fund
dropped accordingly. They paid massively last year too! They only pay once a
year but wow!

Add that to UNWPX which is also set to pay 2.02 per share.

Apple AAPL   Our Twitter alert said to buy at 365. Those that did are
looking at a 30 buck gain in just a few weeks. Follow me on Twitter for
daily updates, sometimes hourly.

Those looking to own Apple should use 365 again as a buy in.

All else remains the same. Thanks to Dave for alerting listeners to the I
BOND which pays over 3 % and is US GUARANTEED. A NO RISK investment you can
look at on the site   <http://www.treasurydirect.gov/>
www.treasurydirect.gov.

No Everbank Market Safe Cds available but one is coming out soon. Stay
tuned!

Add gold and silver always and keep most of your money safe.

Upcoming show on Thursday with the same title as this newsletter.

New free show on the site now called Why Greece Will default and look for an
updated Super Dividend Payers List shortly!

All for now, email if you would like to meet for a consult.
Marc

How do we make jobs HERE? See this interesting video sent in by my good
friend Carl.

"Made in America"
<http://cdnapi.kaltura.com/index.php/kwidget/wid/0_04vzdsr5/uiconf_id/559082
1>
http://cdnapi.kaltura.com/index.php/kwidget/wid/0_04vzdsr5/uiconf_id/5590821

 

 

  _____  

Do Not Reply to newsletter messages directly.

Direct all questions or comments to  <mailto:Moneymatters at kvmr.org>
Moneymatters at 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://www.moneymanagementradio.com/>
http://www.moneymanagementradio.com

Disclaimer:

The views expressed here are opinions only. This update does not represent
KFOK, KNQY, KZFR 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. 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.

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>
<http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money>
http://www.facebook.com/profile.php?ref=name&id=1602502823#/pages/Money

Produced and Hosted by Marc Cuniberti

Web Site:  <http://www.moneymanagementradio.com/>
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 91.9 FM Radios throughout
Northern California and the State Capitol.
Worldwide on the web at  <http://www.kvmr.org/> KVMR,  <http://kzfr.org/>
KZFR,  <http://www.kqny.org/> KQNY,  <http://kfok.org/> KFOK FM RADIO and
affiliated stations.

Where I buy some of my gold and silver: What I call "Possession Gold". See
below.

At this time, email me if you wish to buy physical gold or silver at
marc at moneymanagementradio.com.

Follow Marc Cuniberti on  <http://www.twitter.com/> Twitter for daily Money
Matter updates.

 


 <http://moneymanagementradio.com/newsletter/confirm/remove/73da5fa46f809t2>
Unsubscribe from this newsletter

 

-------------- next part --------------
An HTML attachment was scrubbed...
URL: http://mailman.jtan.com/pipermail/money-matters-l/attachments/20111211/e13b0323/attachment-0001.html 

From bayareaprocess at att.net  Thu Dec 22 16:06:45 2011
From: bayareaprocess at att.net (Marc Cuniberti)
Date: Thu, 22 Dec 2011 08:06:45 -0800
Subject: [Money-matters] Fwd: [Money Matters Newsletter] Update Dated
	December 20 2011 Money Class Offered in January for Women.
References: <20111222000616.12BD51FB8128@php5-n370.wc2.dfw1.stabletransit.com>
Message-ID: <EC326DE2-AB4A-4617-8BA0-D938A8A840CD@att.net>



Sent fromM Cuniberti


> From: "Money Management Radio" <marc at moneymanagementradio.com>
> Date: December 21, 2011 4:06:16 PM PST
TO =Perf client
> Subject: [Money Matters Newsletter] Update Dated December 20 2011 Money Class Offered  in January for Women.
> 
> 
> Update Dated December 20 2011 Money Class Offered in January for Women.
> 
> Marc?s Notes:
> The European Central Bank offered up unlimited loans for up to 3 years terms to those struggling nations across the pond like Greece, Italy and Spain among others and as usual the markets rallied. These ?loans? are just more of the same and only put off the problem as all previous ?fixes? they have tried. Loans are what they tried before and now they do it again but loans don?t fix anything. This grand ?kick the can? mentality hasn?t and wont change anything at all.
> What do we expect though? Really fixing the Euro problem requires   repudiation of the debt they own and a severe cutback in spending, much like we here at home require. That remedy is too painful however so politicians just postpone the solution a while longer by loans, programs, talk and posture.
> 
> Italy, Spain, Portugal and Greece, among the others, and the US by the way, will just keep digging a bigger debt hole and more loans do not make any of it go away. That?s like giving my wife more credit cards. It does not SOLVE the spending problem, it just enables her to make the payments. The Euro problem is not solved dear reader, it is not an iota better, and will only get worse. Markets will rally as they are today but reality bites and if the recent past market action is any clue, it will go right back down again when investors realize nothing has been solved by loaning more money. That is what got them into trouble the first time and second time and umpteenth time   and doing more of it does not solve a thing.
> 
> Meanwhile homebuilders broke ground of more homes then forecast so the market picked up on that as well. Read the details however. They were multi family homes, in other words just RENTALS for all those displaced homeowners. Since families are losing their homes, they must rent. This is no sign of a house recovery. Besides, builders always get it wrong anyway. Just look at how they built right up to the crash that wiped many of them out. These guys have no clue. By the way, did you know your government gave the big homebuilders a multi billion dollar bailout a few years back by letting them get their taxes back? Read the article here and weep. http://www.istockanalyst.com/article/viewarticle/articleid/3636795
> 
> In the same day, news came out that home prices continue to fall. That is the real truth behind the spin. Home values will continue down and inventories of unsold homes will continue to climb no matter what the homebuilders or the National Association of Realtors try and convince you. Both of them make money off of new homeowners. I do not so you decide who to believe.
> 
> On the subject of taxing the rich, Washington thinks the ?rich? are anybody making over $250,000 annually. I would say anyone making over 5 million a year annually is more like it. I meet many investor who make 300K or so a year and are making it but not ?rich? by any means. If anything they have a successful small or medium size business and employ people. They are the ?hope? for America. Don?t take a few thousand from them!
> 
> Take the BILLIONS we gave to those homebuilders! Take the billions in profits from the banks! That?s where the money is! Washington has us missing the mark and deflecting our anger toward the productive members of society while giving BILLIONS to those homebuilders, the banks, the IMF (International Monetary Fund), that ?Dollar Swap? you just heard about, and all those other recipients of the HAMP  HARP  TARP programs. BILLIONS if not TRILLIONS to AIG, B of A, Citibank, foreign banks, hedge funds: You name it. And they want to tax the measly people making a few hundred grand?!
> 
>  
> 
> INCREDIBLE. The misdirection and spin they throw at us is incredulous.
> 
> Do the math. You can tax the people making 300K a year and make a few billion in tax money, or remove the tax breaks, bailouts and loans to the BIG CORPORATIONS and save a few TRILLION!
> 
> They are deflecting you and trying to confuse you as to who REALLY is getting richer. Its not the upper middle class here folks, it?s the HOMEBUILDERS, BANKS, FOREIGN BANKS, AUTO EXECS, CENTRAL BANKERS, CONGRESSMEN and all who PAY TO PLAY in today?s world. Don?t tax people making under a million a year. REAM the people who make 5 million a year or more, then get the real big savings by eliminating bailouts, loans and tax breaks to big corp.
> 
> In other news, Gold and silver have been hammered in a painful rout over the last few weeks for those owning the metals. Although fundamentals have not changed for owing these metals, these corrections can be trying for those not used to volatility. Keep in mind, gold and silver are insurance against a currency catastrophe. If investors think the economy is recovering, they will sell gold. Large institutions also gamble billions in the hottest ?thing? and if they perceive gold is losing its allure, they will dump in mass and move on to the next thing. This can cause massive sell offs and we are seeing one now.
> 
> Investors believing governments will continue to print money and run high deficits must follow their convictions and continue to buy insurance. That being said, I am looking to add more silver in the mid to low 20?s, also adding some gold here and also looking to add more if it goes lower. Gold could correct as low as $1,200.00 /ounce and still be in a bull market. Silver could correct to the low 20?s before violating long term fundamentals signaling its run is over. If you believe the government is going to keep running deficits and printing money along with all the other central banks to pay for all their bailouts, then you might consider if you should be a gold and silver buyer at these lower levels.
> 
> Other news- Money Matters is off air until January. We will be holding our Woman Only Money Classes in January both weekdays and weekends. Cost is minimal. Email me. Class 2 takes off where class 1 left off. Gold, what to own, how to set up a stock account, who and what to avoid at all costs, and more. Class 1 starts you on the road to understanding money and managing it for the rest of your life. Never be in the dark again about your money!
> 
> All for now except have a great holiday, email me if you have questions or wish to meet with me and stay frosty!
> 
> Remember the reason for the season. God Bless.
> 
> Marc
> 
> PS: do you think the gold bull is over? Let?s put things in perspective. Google up a chart of gold over the last 10 years and tell me if the recent pull back looks significant. Note much more significant pull backs in 2003, 2004,2005, 2006 and 2009.
> 
> 
> 
> Do Not Reply to newsletter messages directly.
> 
> Direct all questions or comments to Moneymatters at 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://www.moneymanagementradio.com
> 
> Disclaimer:
> 
> The views expressed here are opinions only. This update does not represent KFOK, KNQY, KZFR 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. 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.
> 
> 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
> 
> 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 91.9 FM Radios throughout Northern California and the State Capitol.
> Worldwide on the web at KVMR, KZFR, KQNY, KFOK FM RADIO and affiliated stations.
> 
> Where I buy some of my gold and silver: What I call ?Possession Gold?. See below.
> 
> At this time, email me if you wish to buy physical gold or silver at marc at moneymanagementradio.com.
> 
> Follow Marc Cuniberti on Twitter for daily Money Matter updates.
> 
> Unsubscribe from this newsletter
> 
> - - - This is a test version of the newsletter. - - -  
-------------- next part --------------
An HTML attachment was scrubbed...
URL: http://mailman.jtan.com/pipermail/money-matters-l/attachments/20111222/269491be/attachment.html 

