[Money-matters] FW: [Money Matters Newsletter] Join us at class! Money Matters Update January 13, 2012

Mon Jan 16 00:23:16 UTC 2012

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From: Money Management Radio [mailto:news at moneymanagementradio.com] 
Sent: Sunday, January 15, 2012 2:51 PM
To: perf client
Subject: [Money Matters Newsletter] Join us at class! Money Matters Update
January 13, 2012

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Join us at class! Money Matters Update January 13, 2012

Our Money Matters Margarita Dinner! Ah the memories. Another one may be
coming! Keep reading!

Marc's Notes:

See Jane Do Woman's only Money Class takes place this Monday at 6:00 pm at
the Nevada County Board of Realtors Office across from the old Imaginarium
at Gold Flat and Ridge Road. This is Class ONE for woman that have not
attended a Money Class yet or those wishing to return. It goes 3 hours.
Bring notebook or laptop to take notes.

We will cover money, what it is, why it is important to handle your own, how
to handle it, what to buy and what to avoid, where to buy and why, who and
what to avoid, common misconceptions and mistakes, how to grow your money,
how not to lose it, to avoid those trying to take it from you, and all in
under 2 hours a year.

Its important to do it yourself, way less expensive and easier then you
think.

Stop stressing over losing it!

Have a relative with retirement that you're concerned about? Getting an
inheritance and don't know what to do? This class has nothing to "sell" you
unlike other financial presentations. You will learn the easy tools and
finally feel good about your money and your safety. Email me to sign up.
Class TWO is schedule for January 30th during the day. Cost is minimal.

Money Matters Airs next Thursday January 19th, 2012 at noon Pacific Time on
KVMR 89.5 or 105.1 FM or world wide in the web.

Interested in saving our parks? Stop the budget cuts to our kids outdoor
playgrounds? They always cut what hurts the most instead of cutting
worthless bureaucracy. Stop the madness. Sign the petition here:

http://yubariver.org/2011/12/south-yuba-river-citizens-league-launches-grass
roots-effort-to-save-local-state-parks-over-2500-have-signed-petitions-and-l
etters-to-governor-brown-in-just-one-week/

Markets:
Meandering up and away. Investors like shoppers over the holidays are
suffering a case of severe delusion, ignoring economic fundamentals like
public government spending is trumping private spending. Basically the
government is replacing the consumer who is pulling back. We can see this in
sky high deficits and public work projects designed to spend money where the
private sector wont. The biggest governmental supplement is in housing of
course as program after program takes on the risk of home mortgages,
something the private sector is unwilling too. In other words, nobody wants
to lend on housing because it's still falling. Since banks still hold
millions of homes both in mortgages and foreclosures, falling home prices
mean failing banks, the real reason for all these programs. By propping up
home prices and applying government guarantees to all those mortgages, the
banks don't fail, plainly put. A masked bank bailout and haven't we had
enough of those already?

Shoppers meanwhile took to aisles in December racking up hundreds of dollars
on things they don't need with money they don't have. Credit increased in
the latest figure the most since 1993!

Its my opinion from talking with people they have basically given up trying
to save money. There is little interest paid on savings accounts and stocks
are just to crazy. Bonds are no better so the American consumer is saying
"Aw what the hell, can't make any money or save it, I might as well spend it
and enjoy life".

A dangerous precedent brought on by the ultra low interest rates from the
Federal Reserve. These low interest rates entice people to borrow more and
spend more. Then the interest is collected by you know who. the banks. They
get money from the Feds at almost zero percent and charge us ten times that
or more on credit cards. The poor folks you see in line on Black Thursday
usually buy almost everything on credit, further enslaving themselves to
their banking masters. A shameful way to run a country that was once the
economic powerhouse of the world.

Meanwhile the US dollar swap agreement you may have heard about in the news
last month is basically the US using your tax dollars to trade US dollars
for Euro dollars. Euro dollars are dropping in value so countries over there
need our dollars to pay their bills and we get stuck with those dropping
Euro dollars. Since the swap, our "investment" has lost billions in value,
billions we could have used to keep our parks open, employ OUR people, feed
OUR hungry. Instead because the Euro banking system is as close to bankrupt
as you can get, they suck off the blood of us. Not that we don't have
problems and debt already!

A shameful way to run a country that was once the economic powerhouse of the
world.

As for what to expect, don't believe the spin claiming a recovery is in the
making. If it was, your Federal Reserve wouldn't have come out and said just
THIS WEEK that more Quantitative Easing might be coming. (Something I just
about guaranteed would come way back when the last one ended). If the
economy was truly recovering, why would they be prepping us for more?

The reason is they know the Euro issue is just like the last crisis and has
the potential for causing another domino like blow up. When the defaults
start in Europe, look for a series of news items detailing banking stress
over there, then spreading over here. Then look for more bailouts to follow.

Gold meanwhile may finally have ended its correction. We recommended last
week looking at GDXJ for gold mining exposure and to always consider adding
physical gold and silver during its correction.  We will see if we are now
in a new leg UP for gold.

Dividend Payers List was update last week and is available on the website
now.

As for some past payers, Terra Nitrogen TNH went skyward again into the
190's, We first recommended it way back in single digits. Wow, what a ride.

We dropped Frontline Shipping  FRO and replaced it with an old favorite
Golar GLNG which has risen four fold into the low 40's. Another wild ride.

Our Twitter recommendation (follow me there for daily market updates) Apple
was a buy at 365 just a few weeks back and now sits at 420. Set a stop
somewhere in the low 400's to protect you.

Natural Gas is still nowhere and this years old holding is been a real dog.
This gamblers play has been one of our worst along with rare earth stocks. I
still hold them but shake my head every morning I see no movement. Gamblers
plays should however be SMALL amounts only!

Our interest rate fund TBT has also been hammered horribly and we had no way
of knowing the FEDS would monkey with long term rates with their Operation
Twist among other manipulations and be successful for so long. I must hold
this fund however as interest rate increases will happen as soon as the
deficit gets to critical mass. I cannot bring myself to sell this insurance.

Word out this morning overseas inflation is bad and getting worse. No
surprise there.

Swiss annuities now have a 5 % load up front. Not good news but still worth
the fee. It's just keeps getting harder and harder to move money offshore
and didn't I warn you it would be. Email me for a free booklet. I just
opened a sizeable one last month for my family and paid the fee.

If you like the Union articles I write I would appreciate it if you email
the editor and tell him so.

KVMR membership drive coming next month. Stay tuned.

All for now, have to drive kids to school. Thanks to all of you for
supporting all of us here at the station and who help bring Money Matters to
the world.

Marc

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