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December 2, 2010
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Mike Brady
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Michael Brady, President
Generosity Wealth Management
1818 16th Street
Boulder, CO  80302

P 303.747.6455
F 858.947.3807
www.generositywealth.com
 

Registered Representative of and securities offered through QA3 Financial, Corp.  Member FINRA/SIPC
Investment Advisor Representative of and Advisory Services offered through Generosity Wealth Management, LLC., a Colorado Registered Investment Advisory firm 
Generosity Wealth Management, LLC and QA3 Financial Corp or QA3 Financial, LLC are not affiliated companies

The information being provided is strictly as a courtesy.  Our company makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you assume total responsibility and risk for your use of the sites you are linking to.

Greetings!

What is your interest rate sensitivity?  If you reply "what does that mean", then you definitely need to listen to my video below.

I talk about a quick and dirty way to estimate how a Rising Interest Rate will negatively effect your particular bonds and/or bond funds.

Listen to my video below.
Predictions coming True  

Europe Map
If you've been reading my newsletters for the past 2 years you've been hearing me talk about the slow disaster that is Europe and our municipal governments.

We're now seeing the worst falls in Municipals since Lehman's collapse back in September 2008.  Ouch!  I also say that the worst is before us, not behind.

To do:  Watch your municipal holdings and know what your exposure is!

Ireland has a bailout (thank you EU and IMF) and now the yields for Portugal, Spain, and Italy are going through the roof. 

This does NOT bode well for the rest of the PIIGS, Europe, and the Euro.

To do:  What's your exposure to what I think is the next big collapse?

Read link for more information


TARP cost Estimate Cut to $25 billion?
TARP
It's a tarp - Get it?

Finally a government program with cost estimates LESS than projected.

The $700 billion Troubled Asset Relief Program is estimated by the CBO to come in at $25 billion dollars.

At the time, if you remember, it was billed as a gift and we were out the money.  However, due to repayments and other fortunate events, most of the money allocated has either not been used or has been repaid.

AIG and the auto industry are costing about $45 billion whereas the other aspects are giving the taxpayers $20 billion of profit, for a net of $25 billion cost.

Click for the detailed discussion.

TARP cost estimate cut to $25 billion - Link

Medicare Rate Cut Delayed - for 1 Month


I believe that the coming 2 to 3 years will be pivotal in how our changing government relationship with medical care will affect the healthcare industry.

"Duh?" you say?.......

I bring this up because this is a huge part of our economy and it will have an impact on your portfolio and personal expenses.  Unfortunately, the early signs are not encouraging.

Recently the 23% cut in federal Medicare reimbursements to doctors has been delayed....for 1 month.

To do:  What is your healthcare exposure in your portfolio?

Please click on the link below for a discussion of the Medicare Rate Cut delay



Go Rocky Mountain Region!

I'm sure all of you know how much I love Boulder, Colorado, and the entire Rocky Mountain area.Rocky Mountain High

I guess I'm not the only one.

Compared to other parts of the country, our economy is doing really well. 

Check out this graph.


GWM jpg
I'm here to help!....

I'd love to talk more with you about the above topics or anyway I can help you grow and preserve your money while providing for yourself, your family, and community.

Mike