[Money-matters] FW: [Money Matters Newsletter] Money Matters Airs Tomorrow. Spring Class #1 is half off and almost full. SIgn up NOW! Update April 4, 2012

Wed Apr 4 16:23:00 UTC 2012

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From: Money Management Radio [mailto:news at moneymanagementradio.com] 
Sent: Wednesday, April 04, 2012 9:22 AM
To: perf client
Subject: [Money Matters Newsletter] Money Matters Airs Tomorrow. Spring
Class #1 is half off and almost full. SIgn up NOW! Update April 4, 2012

<http://moneymanagementradio.com/files/moneymn/shell/simplenews_header-720.j
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Money Matters Airs Tomorrow. Spring Class #1 is half off and almost full.
SIgn up NOW! Update April 4, 2012

Marc's Notes:

Money Matters Airs tomorrow at noon, PST on KVMR FM. Topic is "Making Money
in a Zero Interest Rate environment".

My consults from the last pledge drive are done. I have time if you wish to
consult with me. I may not be offering them or doing the next Spring Drive
on KVMR so please email me directly if you wish to meet. Stay tuned for more
information later.

Our Spring special Money Class is offering HALF OFF. You ALSO get the Dream
Portofolio AND a list of dividend paying stocks! All for half off!

The spots are filling fast. I have a list of people that emailed me early on
so  now send in your check for $99.00 to

578 Sutton Way, PMB 101,

Attention E. Cuniberti.Grass Valley Ca 95945.

Make check payable to Bay Area Process INC.

Payments assures your spot! Don't wait! Grab your seat before this offer
disappears.

Class will be held in Grass Valley, Nevada City Area and if you cant make it
or don't go, we will refund your money. You will be given a select variety
of dates to choose from by email. Include your email on your check or
attached to it.

Now for an article on Money Velocity. I hope you enjoy it!

Money Velocity- by Marc Cuniberti

There is an interesting thing happening in our US monetary machine right now
and it's probably something that one in million Americans is aware of let
alone understand.

It has big ramifications in our economy, all the way down to your job, town
or store.It's called money velocity and it sounds very complicated but its
not.

Money velocity is how fast money travels around the economy.

Think of it this way.

Suppose you get your paycheck and instead of spending it you put it under
your mattress.

Since you put the money away, the velocity of your money is zero. It didn't
go anywhere. It stayed right where you put it and wasn't spent.

Now suppose instead of stashing it, you spent all of it in 5 minutes. In
economic terms, the velocity of your money increased. In essence, your money
moved around and went somewhere as you spent it.

Now take that concept and think of the whole nation and all the money in it.

Suppose everyone starts to save money and stops spending. The result would
be the money velocity slows down. Simply put, when we are a nation of
savings and frugality, our money velocity as we measure it is regarded as
slow.

Contrast that to if everyone decided to spend their money quite readily. You
go out and buy something and then the guy you gave your money to goes out
and spends it and then the guy he gave his money to does the same thing. In
this scenario the money velocity is now quite fast. The same currency is
spent over and over again, changing hands as people continue buying things
from each other. This constant stream of spending would be regarded as an
increase in the velocity of money.

Why do measure such things and why do we care?

In good economic times, people spend money, save less and the velocity picks
up. The faster people spend it, the faster the overall velocity of money in
the system. When money velocity accelerates, business seems brisk and people
then spend even more.  The same money now hops from place to place, being
quickly spent by the next person. This increase in velocity also causes
prices to rise as this increase in velocity gives the appearance that
there's lots of money floating around and economic times are good.

If this increase in velocity continues, its drives prices up even faster.
This we know as inflation and in extreme cases of accelerated money
velocity, the inflation it causes can be quite egregious and very damaging
to an economy.

But what happens when money velocity slows down and why does it occur?

When people are worried about their economic future, they stop spending.
Money is stashed away, people stop buying, business slows down and prices
may even start to fall from the lack of demand. This decrease in velocity
means people are saving more and spending less because of their uncertainty.

How is our money velocity right now?

Slow and getting slower.

In fact its the slowest in 53 years, and that seems strange considering
we're being told things are improving.

This statistic leads us to draw a different conclusion then what we are
being told as it relates to are economy. We are bombarded with economic news
that things are improving. You can also tell me the moon is made of cheese,
but being told doesn't make it so.

The facts tell us that at this moment in time, US money velocity is the
slowest it's been since 1959. That means in light of the massive money
shower flooding out of Washington as evident by our historic deficit, people
are not still spending but instead sitting on their money.  

They are most likely worried that things may take a turn for the worse, and
since money velocity is a self fulfilling prophesy,  according to the money
velocity figures just out, they are about to.

Now see the graph!

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