[Money-matters] FW: [Money Matters Newsletter] Welcome New Money Matters Newsletter Members! 2 Hours Show tomorrow, Saturday, May 28th, 2011. 10:00 am to Noon, PST on KVMR FM

Sat May 28 00:38:45 UTC 2011

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From: Money Management Radio [mailto:marc at moneymanagementradio.com] 
Sent: Friday, May 27, 2011 5:38 PM
To: client
Subject: [Money Matters Newsletter] Welcome New Money Matters Newsletter
Members! 2 Hours Show tomorrow, Saturday, May 28th, 2011. 10:00 am to Noon,
PST on KVMR FM

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Money Matters Newsletter: Welcome New Money Matters Newsletter Members! 2
Hours Show tomorrow, Saturday, May 28th, 2011. 10:00 am to Noon, PST on KVMR
FM

Marc's Notes: 
Welcome all new Money Matters Update members.

Thank you for supporting KVMR.

To start you out, here are the four fatal flaws of investing. Even if you
don't have any money or stocks, you should read these. (They are the bottom
part of the update).

Money Matters airs tomorrow, Saturday at 10:00 to noon, PST on KVMR FM.

Markets:
The markets after shedding 400 points or so now look for direction.
Per our last few newsletters, we suggested lightening up on regular stocks
and going to a more cash position. Bank accounts now are the place to be for
most of your money. Those with extra funds can pick up some silver at these
levels like we have been suggesting since it corrected to the low 30's. It
is rising again but could re-correct again so add in slowly over time. Ditto
for silver stocks.

The Swiss Franc is up again to 116. This currency is the "Flight to safety"
currency and showing us great profits for those in FXF and Swiss Annuities
placed in Francs. The Canadian and Aussie Dollar holdings are not doing to
shabby either. I actually added more Aussie at 106 a few days back and sold
some stocks to go the "more cash" position I mentioned above. You could do
worse following this lead.

Contrary funds are on the menu again so you can look into these if you are
paranoid of a stock market plunge. I use DOG among others.

Most readers already know the holdings, especially if I met with you and are
doing great. Others can listen tomorrow. 

Gamblers plays are so so for now so nothing new here.

Oil and Nat Gas are on the rise again but should fall if the stock market
falls. Ling term they are buys.

Interest rates are still low but that's the last straw to fall so they could
continue to stay low. Refinancing is not a bad idea.
(Link on website on right).

I expect more stock market downside soon. Meanwhile the markets live on
borrowed time. Those working, please work hard right now and save your
money. Money is going to get harder to come by. If it was me, I would hold
off on any new purchases of cars, homes or anything big. You might need your
money and prices should fall on luxury items. Food and energy on the other
hand will probably rise and rise and rise. This is the "Stagflation" I
warned about months ago  and it is here and getting worse. 

All for now but tune in tomorrow at 10:00 to noon for a complete 2 hour show
covering markets, money and you.

Upcoming Show Tomorrow  Saturday 10:00 AM to 12:00 PM PST  www.kvmr.org
<http://www.kvmr.org%20> or live on 89.5 or 105.1 FM- 2 Hour show special.

Eric Rice, DJ for this time slot is at Strawberry and they requested I do
this spot. Obviously KVMR is in need of your further support so lets all
step up and be a part of our community radio station. 

I will cover current market conditions, holding each asset class like gold,
silver, currencies, interest rate funds, Swiss Annuities, oil, gas, stocks,
bonds and safe money. Why, what and how much to hold.

This is a 2 hour show membership drive. We decided to offer 2 consults only
(initially we were not going to offer any this drive as  I take the summer
off but requests are coming in so I can do 2) If interested you can contact
me early to get one of the 2.
I may do one extra if a KVMR member misses out and pleads heartily! 

Also for tomorrow only, round of golf on me with lunch. This is NOT a
foursome but just you and me. Gift for a $250.00 support! This is NEW and
would really be fun.

We also will hold a "Money Matters Seminar". It costs less then a consult
and won't cover your holding specifically but will give you an overview of
the "Plan".

Coins again will be offered and those that obtained these on the last drive
are most likely smiling. Like I said, get the right coins, get a tax
deductible receipt, support KVMR and maybe get all your money back and more
to boot. Also getting coins adds on one of the "legs" I use for protection
with my own money.   All in one easy pledge.

Finally all those getting this news letter Money Matters Update: can you
pledge a minimum of $30.00 to the station for support? It doesn't matter
where you live. We still need you and you still get the information. Many of
my friends and relatives receive this update as well so I am also asking
them to help this drive. You know who you are.

Lets all do this together!

If half the people receiving this newsletter do so, we can raise over
$20,000.00 on that alone. The station needs you as does our community. I
will match the first $1,000.00 pledging to the people who already get the
newsletter and pledge some dough. That way your money goes twice as far and
you cost me money just for the hell of it! 

Now good reading and talk to all of you tomorrow. 
Marc 

Four Fatal Flaws of Investors and Advisors:

Fatal Flaws #1:
Buy and hold.
Buy and hold works fine in up markets, but so does a monkey with a dart and
a wall street journal. Statistically, it's been proven time and time again,
advisors and the best of money managers don't beat a dart board or the
market indexes in an up market. 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 investors. 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. 

Fatal Flaw #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. TEN YEARS . The most
recent 10 years shows less than ZERO GROWTH and actually a 15 % LOSS or
more.  That doesn't include losses from inflation, otherwise known as 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. There is one difference however and
that is banks account are guaranteed NOT TO LOSE value, and also no loss of
sleep by you. Markets do not go up over the long haul and especially now,
this thinking is a sure way to more losses down the road.

Fatal Flaw #3:
No exit or sell point.
Most investors and advisors, believing markets always go up over the long
term and always come back, don't have an exit point. 
In other words, at what point do you sell out? 
They do not have an absolute point of loss, or SELL conviction point. 
It should be either percentage wise or a preset DOW level. 
Most investors and advisors think that when they are down 5 or 10 %, they
are not down far enough and refuse to sell. That mindset continues until
they are down about 30 % or more.
Then the mindset changes from you are not down far enough to you are down to
far to sell. Let me tell you one thing right now. You're lucky the markets
stopped where they did in 2009. 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. 
Then the SELL point does arise in an investors mind by default and under
duress. 
That "capitulation" point is usually down around a 75 or 80 % loss.
Investors then panic and want to get out with at least something and a
climax selling point is reached.
That's when everyone sells. It's called the climax bottom, and strangely
enough, that's where you should actually 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? Did you sell?
Because if they didn't, or you didn't, then you fit this fault to a "T ".  
You 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 is, your retirement is, based on a game of chance. Don't take that
chance again. Plan an exit point and stick to it. 

Fatal Flaw #4:
Owning a basket full of mutual funds is diversified.
Do you believe 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. 
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, go DOWN.
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 even if you own a zillion mutual funds, if the stock market crashes, YOU
CRASH WITH IT. True diversification should be balanced.
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 depend on an UP market. 
If your portfolio from John Jones or Merrill Lehman or Infidelity or John
Smutz or 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. If what you hold sounds like exactly what I just
mentioned, you don't have a financial advisor, you have your life savings
invested with  someone that not in the least bit understands what investing
is really about, what protecting you is about, what diversification is
really about.
And one more fatal flaw in their investing strategy. You know how much I
recommend and like dividend payers. Well first off, I am advising that you
only have a very small portion of your money in stocks, and its not because
of the market specifically, but because you should not have a big portion 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. These other "legs"  don't listen to, nor care
about a stock market crash.  You should also be in foreign currencies, some
savings accounts, some overseas bonds, some gold and silver, real estate,
some stocks that go UP in down markets, some foreign bonds, some overseas
accounts: basically many, many different areas, and again, only a small
portion in stocks. Furthermore, when you DO own stocks, almost ALL your
stocks should pay you interest or dividends.
Why? If investor A owns a stock that pays 10 % interest or dividends, and
investor B owns a mutual fund that pays you nothing, (like most mutual
funds), which way does the market have to go for investor B to make money?
UP! 
But if you are getting paid interest or dividends of 10 % (for example), you
make 10% while the other investor makes nothing. Compound that over 10 years
and investor A makes 2.5 times the money investor B makes, even if the
market goes nowhere!

And remember, since all stocks move together, dividend stocks will likely go
up just like the non dividend payers will if the market takes off.
18 % dividends will quadruple your money in 8 years while others 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? If you are sitting in non paying mutual funds waiting for the
market to go up, your probably going to be waiting a long time. That's why
this DREAM PORTFOLIO may hold the key to much greater success, safety and
returns then any other investment plan and why its worth considering.

The four fatal flaws once again.

Buy and hold works - it does not.

Stocks always go up in the long run - no they do not.

No exit strategy- make one.

Holding a basket of mutual funds it diversified- no it is not. See the DREAM
PORTFOLIO.

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This article is strictly for informational purposes only. It is not a
solicitation to make any exchange, buy or sell any precious metal products,
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Where I buy some of my gold and silver: What I call "Possession Gold". 
Blanchard and Company, Inc.
P.O. Box 61740
New Orleans, La 70161-1740
Direct toll free number: (888) 727-7537
Rick Baugnon

I have probably purchased the most ounces of gold and silver from Blanchard.
Not only do they sell regular coins and bars, they are the only contact on
this e-letter that also can provide you with graded coins and collectible
coins. Although I usually recommend only standard coins, I do own
collectibles as they may help against a confiscation scenario and we need to
be prepared for everything. Please call Rick Baugnon and tell them you are a
Money Matters Listener and he will give you special consideration and he
knows my preferences. Use his direct line above. Rick and I have discussed
Money Matters needs and he knows what to provide.

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. 
I usually buy Gold Eagles, Buffalos, Kruggerands, Silver Maples. Gold Pandas
Generic Rounds. Peace Dollars or Morgans. 
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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