IN DEFENSE OF FINANCIAL FREEDOM

July 4, 2003

July 4th! -- FOUNDING DOCUMENTS... FOUNDERS QUOTES ... Unemployment up, gold steady!... Coins "triple-digit upside" - "A no-brainer"... Forget stocks, go to the beach!...

-WHERE IS AMERICAN HISTORY GOING? - David Bradshaw, IFP

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QUOTES OF THE WEEK

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"Is the stock market being manipulated? Is the Pope Catholic? The latest evidence of manipulation came Monday, the last day of the quarter. On that day, the majority of mutual funds beat the market. While that would seem to be a mathematical impossibility, researchers take it as evidence of a manipulative practice that is known in the mutual fund world as "marking the close."

-MARK HULBERT, "Evidence of market manipulation," CBS, 7/2/03

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"There is no question that Nasdaq is strong and provides leadership and there is also the possibility I have underestimated the power of Alan Greenspan and Wall Street to continue and engineer a rally in the face of adversity. If they fail, the very survival of the U.S. economy and ultimately its society could be at stake."

-MARK LEBOVIT - VRTrader, July 3, 2003

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"There are hundreds of overvalued turkeys out there, but these 28 [stocks] top them all. Their share prices are so absurdly overvalued compared to their earnings and sickly balance sheets, we wouldn't be surprised to see them lose as much as 70% of their value. Consider, for instance ..."

-MARTIN WEISS & LARRY EDLESON, Safemoneyreport.com (see below)

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"The real rate of inflation in the U.S., calculates Sung Won Sohn at Wells Fargo Bank, is about 2.7%...which puts the real interest rate on Fed Funds at about minus 1.7%, the lowest in twenty years. In effect, the Fed is paying people to borrow."

-BILL BONNER, Daily Reckoning, July 2, 2003

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"The U.S. unemployment rate rose to 6.4 percent in June, the highest in more than nine years, as companies shed 30,000 jobs."

-BLOOMBERG NEWS, July 3, 2003

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"The U.S. economy is supposed to be recovering, but it is not. The dollar will extend its declines, and we see it losing 25 percent of its value against the euro in the next 12 months."

-PAUL PODOLSKY, Currency strategist, FleetBoston, Bloomberg

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"The Bank for International Settlements (BIS) said Monday the world economy was stuck in "an uncomfortable soft spot" with deflation and a weakening dollar new threats to an already stuttering recovery."

-BANKERS FEAR DEFLATION, CNNfn, 6-30-03

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"It was a very different era. In June 1958, the number one song in America was “Who’s Sorry Now” by Connie Francis. That same month the federal funds rate averaged 93 basis points. Fast forward 45 years and the Federal Reserve has taken its policy rate to a new post-Connie Francis low. By pushing the federal funds rate down to the long-forgotten 1% threshold, the Fed has rewritten the script of modern- day monetary policy. The fight against inflation is over. The battle against deflation has been joined."

-STEPHEN ROACH, 550 Basis Points and Counting, 6-30-03

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"My gut reaction is that this could be a bit of a so-called dead-cat bounce, or a bear-market rally. For the last three years or so, economists have been pushing their second-half forecasts of rapid growth out six months, and the economy never seems to deliver."

-PETER S. COHAN, Peter S. Cohan Associates (see below)

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"Gold’s bull market is solid and it’s poised to rise to new bull market highs before the year is over. In fact, for the first time in years both the technicals and the fundamentals are glittering brightly. The most important technical step in the big picture happened last December when gold shot above $330. This marked the first time since 1979-80 that gold rose above its prior peak."

-MARY ANN & PAN ADEN, Aden Forecast, 6-26-03

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"Bargains abound in gold coins -- from those in adequate supply to true market rarities. The downside is almost non- existent. The upside is triple-digit gains. It's pretty simple."

-DR. STEVE SJUGGERUD, "Like Gold, Only Better", 6-30-03

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"And thus does the Dollar Standard Monetary System shuffle along in its 32nd year. If it lasts a year longer, it will have outlived Christ. But it bears such a heavy cross already - in addition to the nearly $1 trillion in central bank vaults, another $8 trillion burdens private hands. These private holders are neither so dumb nor so civic- minded as their central banks. They will sell dollars by the boatload if they think they could make a penny at it."

-BILL BONNER, DR, 6-30-03

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"I cannot say it often enough, or stridently enough, but here it is one more time: Gold is the no-brainer investment of our lifetime. Moreover, it offers an opportunity to leverage the destructive force of a millennial deflation that is certain to devastate the net worth of millions of investors, as well as to ravage valuations across a broad swath of asset classes."

-RICK ACKERMAN, MarketWise, "A NO-BRAINER INVESTMENT" (see below)

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"The stock market bubble of the 1990s (as everyone belatedly calls it) was merely the first of the serial financial bubbles of the Greenspan era. Financial excesses spewed forth from Greenspan's monetary policies like bubbles from a child's bubble-wand. The bond bubble is simply Greenspan's latest frothy creation."

-ERIC FRY, DR, "Lighter Than Air" July 3, 2003

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"The crowning advantage of owning U.S. rare gold coins is that they are 100 percent private. There is no registration of U.S. rare coins. Stocks, bonds, mutual funds and Treasury Bills are all registered investments."

-CRAIG R. SMITH, CEO SATC, Author, Rediscovering Gold (see below)

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"Believe it or not, we read the papers and watch CNBC down here (in hell). [It is part of our torture!] It seems as though every central banker in the world has taken the devil's bait. The bankers create money, 'out of thin air,' as if they knew what they were doing. As if had been not be tried by every one of us...as if there were anyway to get away with it. Here, we know what we are talking about; every sorry one of us learned the hard way: you can't get something for nothing."

-DEAD MEN TALKING, Bill Bonner, Daily Reckoning, 6-27-03

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"This is a favorable moment to shut and bar the door against paper money. The mischief of the various experiments which have been made are now fresh in the public mind and have excited the disgust of all the respectable parts of America."

-OLIVER ELLSWORTH, a delegate from Connecticut, who later became this nation's third Chief Justice of the Supreme Court.
24k Quotables

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"I believe that banking institutions are more dangerous to our liberties than standing armies. Already they have raised up a money aristocracy that has set the government at defiance."

-THOMAS JEFFERSON, at the Constitutional Convention (1787)
24k Quotables

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"I think a key area that we need to be concerned about is the widespread ignorance of the Constitution itself. It seems like the American people do not have the awareness of the Constitution now that Americans had of their constitutional rights back in the 1830's, according to French observer Alex deTocqueville. Secondly, in particular, the tendency to say what the Constitution actually says and what the Founding Fathers meant by the Constitution isn't really what's important anymore. We see repeatedly the courts talking about an evolving standard- an evolutionary interpretation of the Constitution."

-DR. JOHN EIDSMOE, Author, The Big Picture, (see below) [Read our Founding Documents at RedicoveringGold.com]

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"To make a man happy, fill his hands with work, his heart with affection, his mind with purpose, his memory with useful knowledge, his future with hope, and his stomach with food"

-FREDERICK E. CRANE, Chief Judge, New York Court of Appeals

MARKET NEWS DIGEST

BULL MARKET BRIGHTENS - The Coin Dealer Newsletter
June 27, 2003

Summer begins with the Consumer Confidence Index holding virtually unchanged in June at 83.5. The stability in this statistic was more about the current increases on Wall Street rather than solid economic improvement.

For rare coin dealers the coin economy is doing very well. This is true despite the recent drop in the price of gold and silver. The precious metals have been extremely volatile of late and dealers say that the demand for common date gold coins and American bullion coins has slowed down appreciably. Nevertheless, we do know that there are many buyers in the market looking for numismatic related gold.

Rare date Gold and Mint State Gold Type are in strong demand for select denominations and demand for rare coins. Many of them are continuing in their efforts to assist their clients who want select rare coins and also those working on building sets.

http://www.greysheet.com

Gold futures end Q2 with a $10 gain - CBSMarketWatch
By Myra P. Saefong & Mike Maynard, June 30, 2003

SAN FRANCISCO (CBS.MW) -- Gold futures closed out the second quarter up more than $10 an ounce, and metals indexes ended higher by 18 percent or more from the first quarter.

Gold for August delivery closed Monday at $346.30 an ounce on the New York Mercantile Exchange, up 80 cents on the session, and up $10.40 an ounce on the quarter.

Traders have been focused on the economy and watching movements in the U.S. dollar.

"What was clear this quarter is that gold was behaving much more like a currency than a commodity," said Erik Gebhard, president of Altavest Worldwide Trading. "The expectation of another Fed rate cut, a constant stream of murky economic data, currency rate fluctuations, the daily gyrations of the equity and treasury markets ... were the fuel that drove gold sentiment," he said.

"The dollar is testing key levels," said Charles Nedoss, an analyst at Peak Trading Group of Monday's action. "If it takes out last week's highs, look for gold to test the $340 area."

Talks this week among some Islamic nations may have some "implications on the demands for gold over the coming months," said James Moore, an analyst at TheBullionDesk.com in London. The nations will discuss the practicality of a gold-based dinar in a bid to move away from U.S. dollar dependency, Moore said. The dinar is used in several Islamic nations.

http://www.cbs.marketwatch.com

Stocks in jittery trade - CNNfn
Major indexes slide amid weaker-than-expected Chicago PMI
June 30, 2003

NEW YORK (CNN/Money) - U.S. stocks drifted on Monday, abandoning an early attempt at a tech-fueled rally after a regional manufacturing report that failed to meet economists' estimates on the last day of the first half of the year.

For the second quarter, the Dow gained 12.5 percent, the S&P 500 gained 14.9 percent, and the Nasdaq composite gained 21 percent.

"You've got the end of the quarter and there's a lot of volatility. Volume is also very light with a lot of people on vacation," said John Hughes, a market analyst at Shields & Co. "This week is going to be fairly volatile, and I would expect to see a correction over the next few weeks."

http://www.cnnfn.com

Recovery? Don't Bet on It - BUSINESSWEEK
6-24-03

A full-fledged bull market won't happen, Peter Cohan says, until unemployment drops and Corporate America starts spending again.

The economy isn't growing enough to justify the recent rise in stock prices, says Peter Cohan, author and president of management-consulting and venture-capital firm Peter S. Cohan Associates. The problem, says Cohan, is the lack of corporate spending. He attributes the strength in stocks to money managers jumping back in to avoid missing the higher returns. Ahead of the Federal Reserve's policy meeting on June 24 and 25, Cohan points out that the government's main goal is to kick-start the economy before the next Presidential election by creating jobs.

These were among the points Cohan made in an investing chat presented June 19 by BusinessWeek Online on America Online, in response to questions from the audience and from BW Online's Karyn McCormack. Edited excerpts follow.

Q: The recent rally has paused the last few days. Do you think there are more gains for stock prices?

A: The biggest catalyst for rising stock prices is if money- market funds stop working. If the Fed cuts interest rates enough, money-market funds will start having negative returns when you start taking expense ratios into account, and people will have to start moving their money somewhere else.

With the stock market rising as it has in general, more and more fund managers are afraid of being out of the market as the quarter ends. Nobody wants to sit on cash while their competitors are earning 16% return, so they have to get into stocks, which is creating a bit of a buying frenzy. On the other hand, I don't think the economy is rising enough to justify the rise in stock prices.

Q: Do you believe we're in a new bull market?

A: My gut reaction is that this could be a bit of a so-called dead-cat bounce, or a bear-market rally. For the last three years or so, economists have been pushing their second-half forecasts of rapid growth out six months, and the economy never seems to deliver.

http://www.businessweek.com

California Near Financial Disaster - NY Post
Hours Remain to Solve $38 Billion Shortfall
By Rene Sanchez, June 30, 2003

LOS ANGELES -- Any day now, community colleges here may begin telling faculty members that they cannot be paid and students that summer classes are canceled.

Nursing homes are losing so much state aid that many soon may have to shut down or limit their services, a prospect that has elderly residents confused and frightened.

As many as 30,000 government workers who had been expecting pay raises in the fall are instead receiving formal notices warning that they could lose their jobs by then, because the state is broke.

This is life in California, on the brink of a fiscal disaster.

http://www.nypost.com

COMMENTARY

FORGET STOCKS, GO TO THE BEACH - Irwin Yamamoto, CBS
June 27, 2003, Yamamoto Forecast

KAHULUI, Maui, Hawaii (YamamotoForecast) -- Looking for my current investment strategy? Take a vacation. Go to the beach and forget about equities. I kid you not.

At the beach, you can bring sunscreen to protect yourself from being burnt. Whereas in the stock market, at today's elevated prices, you and your money are totally exposed and there's a high probability of getting burned.

Since mid-March, the Dow Jones Industrial Average went up 23.5 percent, the Standard & Poor's 500 Index increased 26.1 percent and the Nasdaq skyrocketed 32 percent. In spite of the strong market, the economy remains mired in the doldrums.

Sand castles

At the present level, securities sell for nearly three times book value. Historically, when a bull market begins, an investor can purchase shares at book value or less. In the past, as a bull market ends, equities normally sell for 10 to 12 times earnings. Now they trade in excess of 30 times earnings.

In other words, if we're starting a brand new bull market, then it's originating from a point where bear markets typically evolve. Despite all the bullishness, corporate profits are still nothing to write home about.

http://www.cbs.marketwatch.com

THE PRIVACY FACTOR - By Craig R. Smith, Author, CEO SATC
June 30, 2003

Americans enjoy unlimited benefits from new technologies in a wired world. But those wires send information in two directions, and the access to our personal data has never been more open for abuse.

It's not just the Internet that erodes our privacy. In dozens, possibly hundreds of every-day activities, we leave a trail of our identity. As technology brings us closer together, the fragments of information about us are becoming much easier to piece together, revealing the most intimate details of our lives.

The crowning advantage of owning U.S. rare gold coins is that they are 100 percent private. There is no registration of U.S. rare coins. Stocks, bonds, mutual funds and Treasury Bills are all registered investments.

In the case of a stock, if you buy it for $10 a share and then you sell it for $20 (or $5) a share, the stock brokerage must report that gain to the federal government. Not so in the case of rare (numismatic) gold coins - whether you buy or sell, there is no transaction report filed with the state or federal government.

Our Founding Fathers invested their best collective wisdom into our precious founding documents to ensure America would never again be taken captive by tyrannical forces - governmental or economic - as long as we obey the law.

For that reason I've enclosed all of our original founding documents in the Appendix of REDISCOVERING GOLD IN THE 21ST CENTURY. I suggest taking an hour and reading them carefully. As they say, "Ignorance of the law is no defense."

Political, social and economic freedom are the bedrock of America's unique brand of freedom - just like gold is the bedrock of America's unique history of economic freedom.

The bottom line is that historic United States gold and silver coins stand as one of the last guardians of your financial freedom, liberty and privacy in the 21st century - just as they were in the 18th, 19th and 20th century.

So, let's celebrate freedom by rediscovering gold. Now you can have some fun, make some money and discover America's rich heritage - all at the same time!

Here is the Table of Contents for Rediscovering Gold:

A NO-BRAINER INVESTMENT - Rick Ackerman, MarketWise.com
July 1, 2003

To be sure, the wealth of many investors is going to be destroyed by their uncontrollable urge to bargain-hunt well before a true bottom is reached. This is just beginning to occur now, as the supposedly smart money, thinking the economy is about to come out of its swoon, plunges willy-nilly into REITs and other real-estate-based assets.

Before a deflationary bottom is reached sometime in the next decade, however, I think they will have their imaginations stretched concerning how low asset prices can fall.

A year ago, I would have said you’d be doing great if you can merely hold onto 30%-40% of your current assets. This is how deflation is supposed to work – no big winners, just a relative handful of investors smart enough to have some cash left when assets are going for 5 cents on the dollar somewhere down the road. But it has become clearer and clearer to me over the past year or so that there is indeed a way, not only to hedge against the ravages of deflation, but to leverage them in one’s favor.

How? Very simply, by buying gold bullion or gold stocks.

I cannot say it often enough, or stridently enough, but here it is one more time: Gold is the no-brainer investment of our lifetime. Moreover, it offers an opportunity to leverage the destructive force of a millennial deflation that is certain to devastate the net worth of millions of investors, as well as to ravage valuations across a broad swath of asset classes.

Let me go on record as having begged you to move immediately into gold, perhaps with 10-20% of your investment capital. Meanwhile, do not be fooled by the occasional downdrafts in the price of gold on futures markets. These swoons are manipulated or technical events that are largely meaningless within a much bigger picture.

http://www.marketwise.com

28 STOCKS GOING DOWN IN FLAMES! - Martin Weiss & Larry Edelson
July 2, 2003

Their share prices are so absurdly overvalued, we expect to see them lose 50% ... 60% ... even 70% of their value -- almost immediately!

If you own a single share of any of them, call your broker and SELL now!

Also inside: How you can rack up potentially huge profits when stocks crash and burn -- like turning $2,500 into as much as $23,760!

You must act NOW -- before the share prices of these stocks are reduced to mere ashes!

There are hundreds of overvalued turkeys out there, but these 28 top them all.

Their share prices are so absurdly overvalued compared to their earnings and sickly balance sheets, we wouldn't be surprised to see them lose as much as 70% of their value. Consider, for instance ...

28 Stocks Set To Go Down In Flames!

Advanced Digital Info (ADIC)
Airborne Freight (ABF)
Ceridian Corp (CEN)
Computer Programs & Sys (CPSI)
Dover Corp (DOV)
Dun & Bradstreet Corp (DNB)
Eaton Vance Corp (EV)
Egl Inc (EAGL)
Eon Labs Inc (ELAB)
Estee Lauder Cos Inc (EL)
GBC Bancorp. (GBCB)
Genentech Inc (DNA)
Gulfterrra Energy Ptnrs-LP (GTM)
Helmerich & Payne (HP)
Hershey Foods Corp (HSY)
Hyperion Solutions Corp (HYSL)
Integrated Circuit Systems (ICST)
Intuit Inc (INTU)
Investors Financial Svcs Cp (IFIN)
Kinder Morgan Mgmt LLC (KMR)
Kos Pharmaceuticals Inc (KOSP)
Murphy Oil Corp (MUR)
Petco Animal Supplies Inc (PETC)
Servicemaster Co (SVM)
Smurfit-Stone Container Corp (SSCC)
Verint Systems Inc (VRNT)
Vistacare Inc (VSTA)
Waddell & Reed Financial Inc (WDR)

• GBC Bancorp California: Earned a lousy $4.1 million in net income in the quarter ending March 2003. Share price trading at a ludicrous 384 times earnings!

• Airborne: Earned a puny $4 million over the last 12 months. Market valuation -- over $1 billion, or 261 times earnings! Insane? You bet!

• Advanced Digital Information: Earning the equivalent of a lousy $780,000 a year. Share price trading at four hundred and ninety- six times current earnings. Give me a break!

That's why it's imperative that you check the list we have provided here.

If you own any shares in any of these 28 companies, sell them now. Get the heck out of them before they rip the shirt off your back.

http://www.safemoneyreport.com

WHERE IS AMERICAN HISTORY GOING? - David Bradshaw, IFP
July 1, 2003

"History is marching toward a count-in to redemption, rather than a countdown to destruction."

-Dr. JACK HAYFORD, Pastor, Author

PREFACE

History is going somewhere, but am I?

The following are selected quotes that reflect upon America's quest for freedom and liberty from a free resource entitled The Big Picture: The Shape of Things to Come.

BUILDING ON THE PAST

CRAIG SMITH: The key to building true wealth in the future is to reflect and build upon the wisdom of our past. America's Founding Fathers penned the Constitution with the hope that political, social and economic freedom would eventually triumph. They laid out sound principles that have served Americans well to this point in history. Will our leaders stay on track in the 21st Century?

Take Alan Greenspan for example, as the chairman of the Federal Reserve he is considered the most powerful man on earth because he controls the money supply. Forty years ago he said, "Economic freedom and gold are inseparable."

Until 2001, gold had almost entirely been replaced with credit instruments - which produces inflation and ultimately reduces our economic freedom. I'm concerned that much of the recent market growth may be based on an inflated foundation.

LIBERTY IS BORN FROM WITHIN

DAVID DAVIDSON: The Bible views government from the bottom up and starts with the individual and then moves to the family and then it goes to the church and then there's voluntary association of people, and then civil government is last, and, biblically speaking, it is least. The function of government is to limit sin. Freedom by biblical definition is the absence of sin.

The Reformation clarified the priesthood of all believers - which means that divine power flows from God to the believer, not first passing through the pastor or priest. The same pattern is true of godly civil government.

A biblical view of civil government is rooted in the understanding that God's power and authority flows from Himself to individual people, not to civil government rulers and then to the people, as the humanist philosophy teaches.

God ordained civil government to begin on the local level to promote peace and justice - no more or less. Duties that cannot be administered on a local level are then delegated to a higher level, such as state and federal government. This does not mean the state and federal government are superior or more powerful, but rather, that they have certain delegated powers given by local rulers on behalf of the people.

This pattern establishes local government as the parent and higher government as the child. A child does not tell the parent what to do or else the child is out of order. As with the family, so it is to be with civil government. Today the deterioration of this "bottom-up" concept is so widespread that it is almost inconceivable that local government would challenge state or federal government, yet that is how it once was … and could be again.

YOU ARE NOT SLIME PLUS TIME!

DENNIS PEACOCKE: What was God's purpose for forming the different ethnic groups? The ethnic issue has been falsely framed in the terms of races, and there is only one race, the human race. And the whole racist debate is over the issue of evolution.

Evolution broke on the scene in 1859, with the publishing of Charles Darwin's book. The full title of that book (they won't tell you what the title is in high school and you and I never got it in college) is, THE ORIGIN OF THE SPECIES: ON THE PRESERVATION OF MOST FAVORED RACES IN THE STRUGGLE FOR LIFE. When I saw the original copy of that book in the British Museum I just about had a spiritual heart attack. I also know that the financing of that project was to justify European colonialism, and what we called the "White man's burden." Now I'm a white man, so I can talk about that.

We need to spur the debate over whether or not human beings are "slime plus time." Whether or not we are the result of mathematical probability or whether or not we are in fact created. Because the doctrine of evolution; presupposes, justifies, stands on the assumption that because of the struggle for some races to evolve beyond other races that some races are in fact superior and other races are inferior. Friend, the Bible does not teach that. The Bible teaches that we were all created in the image of God.

IGNORANCE OF THE CONSTITUION

DR. JOHN EIDSMOE: I think a key area that we need to be concerned about is the widespread ignorance of the Constitution itself. It seems like the American people do not have the awareness of the Constitution now that Americans had of their constitutional rights back in the 1830's, according to French observer Alex deTocqueville. Secondly, in particular, the tendency to say what the Constitution actually says and what the Founding Fathers meant by the Constitution isn't really what's important anymore. We see repeatedly the courts talking about an evolving standard- an evolutionary interpretation of the Constitution.

We refer to our Constitution as a "living" Constitution which sounds attractive because you'd think nobody (except John Eidsmoe) would want a "dead" Constitution. But, what they mean by this is a Constitution that is continually in flux, the meaning of which changes from one generation to the next and is really up to the judges to interpret. As one Chief Justice once said, "We are under a Constitution." But the Constitution is what the judges say it is.

That being the case, not only do we give judges virtually absolute power, but it means that no rights are really secure, because they're all subject to this changing, evolving interpretation so they can be strengthened beyond what the Founding Fathers intended, they can be watered down way below what they intended, or even read out of the Constitution entirely.

RECOVERY OF VISION

PETER MARSHALL: The Founding Fathers had a vision of a new society based on God's Word, that would put God's Word into practice spiritually, emotionally, mentally, economically and every way. This vision was the basis for America. That's the vision we need to recover, which is a group of free people governing themselves according to the Ten Commandments of God.

JOHN WEAVER: God limits government to two simple functions; one of them is for the protection of the good, and the second is for the punishment of the evil. The Constitution says that the only power or authority that the government has are those powers that are expressed in the Constitution. And the government is limited to those powers, all others are reserved to the people or to the States respectively. We have to have an objective standard of what is evil and what is good. And the only way that we can have a standard, where every one of us would agree as to good and evil, is to have good and evil as determined in the Word of God.

EXPECTING THE UNEXPECTED

DAVID BRADSHAW: America is starting to understand that government begins within. The role of civil government has grown beyond it's proper boundaries and I expect the next sweeping movement will downsize it, but not until after a final attempt by the faithless to separate God from American culture (which will fail miserably).

American patriots such as Michael Savage, host of The Savage Nation (the fastest growing radio talk show in the country) is dedicated to helping dismantle the present liberal political/media establishment. He speaks with a prophetic voice about our cultural crises, and in my view, is preparing the way for a true reformation based on a biblical foundation.

Economic change in the 21st century will also be sweeping. As the debt bubble created during the last artificial boom continues to be corrected. No amount of Fed manipulation or government spending stimulus will speed this natural "pruning" process much. This is becoming the year that many Americans stop living beyond their means - either by choice or by circumstance. The biblical principle of earning all you can, saving all you can and giving all you can - together with wise asset diversification that includes tangibles like gold - will be the saving grace of many financially.

FULL STORY: THE BIG PICTURE: The Shape of Things to Come