Although we are a month and half into the New Year, and covered some feel good resolutions in January, now is the time to look into another type of resolution.


Financial resolutions are good ones to make and keep. Unlike joining a gym then dropping out because it’s too hard to keep going day after day, let alone the effort it takes to stay on a Stairmaster or treadmill, financial resolutions can pay huge dividends.


Like many resolutions, the task at hand should not have the proverbial bar set so high, it’s discouraging. The best resolutions have easy to reach goals, gently moving you along to your final goal, whatever that is.


Taking financial matters into one’s own hand should be based on the belief that “education is the cornerstone of progress”.


Keeping that in mind, a good place to start is to make a promise to yourself to embark on a few simple tasks to begin your education. No need to get a degree in economics or become a stock whiz. Instead just start reading some financial websites or books on stocks and their markets. Forget the “magic systems” and trading techniques that many publications may promise are the next Holy Grail in trading profits. Instead focus on simple descriptions and explanations of what a stock is, what a bond is, what a dividend is and how stock markets work. Starting with this basic overall understanding of what investing is and how things operate. This is the starting point. Forget the complicated stuff. I find few investors understand these basics, and even some advisors and financial professionals are woefully lacking in their basic understanding of the markets they are trading in. In fact, many are just sales people, placing clients into the funds they are told to without really understanding what affects the underlying markets they play in.


Instead of a stock book, a beginning economic book might be better well suited for those wanting to get a basic understanding. I would rather have an investor that comprehends basic economics yet has little stock knowledge than someone who knows nothing about the economy but claims to have stock trading knowledge. The latter is a dangerous combination. It’s like being great at paddling a kayak yet knowing nothing about how the bodies of water flow they will be navigating behave.


I have seen such “gaping holes” the body of financial knowledge exhibited by many and it can be a costly lesson. In my opinion one has to understand the economy and how it works to successfully trade or invest in the markets that represent them.


Much like the business owners that over expanded during the real estate boom, their lack of the macro-economic knowledge (the overall view of what was happening in the economy around them) proved their undoing. Despite the fact many of these business owners may have been excellent managers in their respective endeavors, their failure to comprehend the causes and effects of the boom-bust cycle that was occurring in the real estate market extracted a heavy price on many. Thousands of companies went bankrupt during the bust and many more barely survived, having to scale down to take huge losses to prevent dissolution.


Forget the “how to trade stocks” books. Leave the “become a day trader millionaire” subscriptions where you found them. On the library shelves and websites you stumbled upon. Instead google up a Economics for dummies book, follow it up with a Stock Market for dummies publication, or something along those lines and start there. Read a few pages a day, or even a few pages a week. Forget the huge milestones and just start reading when you feel like it. Your only goal should be to read some of these beginning books without the pressure of huge milestones.


The resolution should be to start, and not necessarily finish by a certain date. Those kind of firm resolutions can be discouraging if find yourself falling behind.


By starting with an easy and basic economics book or articles, and beginning to understand how economies function, you will be better prepared to move on to actual stock books later.


Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 65 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979. His website is and he can be reached at (530) 559-1214. Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages. The views expressed are opinions only.

         Theodore Seuss Geisel was born in Massachusetts on March 2, 1904. Better known as Dr. Seuss, he has had a terrific influence on children's reading for many years. His first book,  And to Think I Saw  it on Mulberry Street, was published in 1937 and about 60 books followed that one over the years. Many of the books suggest lessons we could all learn from: The Grinch, The Lorax, The Cat in the Hat, and others. He passed away in 1991 at the age of 87.


In honor of his contribution of helping children celebrate the joy of reading, March 2 has been declared   National Read Across America Day. Many schools celebrate that day with special events. Consider reading one of his books on his birthday.      


            Is it going to be a month before we can shop at Gold Eagle? It has been a long year and a half having to go elsewhere for groceries and gas. We also miss our bulletin board and visiting with neighbors. Thanks to Tony for filling the gap for so long.


            A Peddlers Fair is being planned for Saturday, March 14, starting at 11:00 am, to be held in the parking lot of Books and More in Brownsville. If you have items you wish to sell just come on down and set up your booth. All space is first come first serve. There is no fee for space. You can call Books and More at 675-3275 for more information. Books and More is located on Willow Glen Rd. in Brownsville.


            Look Back in Time  - In 1901 during a severe thunder storm in Dobbins lightning struck the telephone wire, destroying the instrument in the telephone office (spring storms can hurt).


            Hope to see you in Brownsville soon.    Christine and Yvonne

On March 3 there will be several elections, some local, some not so. In order to have things working well, it is important to stay involved, take part in making decisions, or not complain. At Yuba Feather Community Services that annual election of board members will take place soon after 7 pm at the community center. On the board of nine members, each year three come up for reelection or replacement. In addition, there have been a couple of members resign. It is important to take part in the organization that operates the community center, park, amphitheater and fields. Come cast your vote.


The plans for 4 Peddler’s Fairs are in the works for this summer. Three in Brownsville and one in Forbestown. The three dates in Brownsville will be May 23, July 4 and September 5 and will be held at the Brownsville Mercantile and Books & More parking lots. The date in Forbestown will be August 1 and will be held at the Forbestown Park. If you are interested in selling at any or all of these events please contact Christine mills at 530-675-9225 or This email address is being protected from spambots. You need JavaScript enabled to view it. to reserve your space or for more information.


The weather sure has been spring like. But don’t be fooled, winter is not over yet. It’s just hiding, waiting to leap out again. My daffodils have bloomed and I have seen snow on their little heads more than once.


            Look Back in Time – In 1906 forty pupils attended Forbestown school (now you can visit the Yuba Feather museum in Forbestown and see a replica of Forbestown school).


            Hope to see you in Brownsville soon.    Christine and Yvonne

Coronavirus outbreak disrupts trade missions


Concerns about the coronavirus outbreak in China have led some farm groups to postpone trade missions to the country. Heeding the advice of market representatives in China, the California Prune Board, for example, will not take a delegation of growers to China and Hong Kong this spring to promote the product. China's efforts to contain the public health crisis also call into question whether it will be able to meet its obligations under the U.S.-China Phase 1 trade agreement, which takes effect Friday.


Environmental footprint of California dairy farms shrinks


New research in the Journal of Dairy Science finds that the climate footprint of milk production in California shrank dramatically between 1964 and 2014. This is attributed to improved nutrition and more efficient use of water, among other factors. One San Joaquin Valley dairy farmer said that although there's still work to do, the numbers show dairies have come a long way.


Technology on the rise in the field--and the farm office


A recent agricultural-technology summit in Modesto focused not just on the flashy, but also the mundane. One farm-tech officer spoke of the need to use technology to track finances in real time, as a way to help farmers make more informed decisions about money. Getting the next generation interested in the business is the focus of one educator who helps teens find internships with equipment makers.


Farm Bureau leader helps kick off World Ag Expo


Billed as the world's largest agricultural equipment show, the World Ag Expo opened a three-day run in Tulare Tuesday. More than 100,000 visitors from 65 countries will explore displays of equipment, technology and services for farms and ranches. Opening the show, American Farm Bureau President Zippy Duvall described agriculture as the most exciting and important business in the world.

By Boots Johnson


All this nice weather we have been having lately sure makes a person want to get out on the water and catch a fish or two. Speaking of water, we advise to stay away from the Feather River with your boat at this time. The River is low, very low and muddy due to the ditch construction north of Yuba City. I am willing to bet even a jet boat would be in trouble.


The spring like weather at Lake Almanor has got the bite going at this time. The bite is not hot yet but bank anglers and trollers are catching fish.


Englebright Reservoir is still the place to go for rainbow trout. Runoff from the Yuba River has been minimal so far this February which has no muddy water entering the lake. In fact, the water is clear as a bell at this time. Best bet is to troll with flashers and a night crawler.


We are told a monster carp was pulled out of Ellis Lake recently. An attempt to get more info has not been successful.


A report from Lake Almanor at Chester tells us the warmer weather has gotten the fish active here.  The scenery is outstanding with this beautiful lake sitting in a valley surrounded by mountains covered in snow and the tall active volcano called Mount Lassen in the background. Wow! What a picture it is.


Thinking back there is nothing which will turn off the bite this time of year like the north wind and full moon nights. When this happens you might as well stay in the sack and catch a few more sleep because nine out of ten times that is what the fish will do.


Collin’s Lake either already has or is about to start their planting of trout for the upcoming season. Some of the fish placed in the reservoir will be trophy fish. If it was I and I caught one of the big ones I would take a quick picture and turn it loose. Planted fish which get that size are not on my table fare due to soft, fat mushy flesh.

Scott’s Flat Reservoir, above Nevada City is still on the must go list. Rainbow trout are still just waiting for your flashers and worms or lures. Reports tell us limits of 14 to18 inch fish are common.


Closing thought: “Attitude is the difference between an ordeal and an adventure.”


Starring: Matthew McConaughey, Charlie Hunnam, and Michelle Dockery

Rated: R   

Runtime:1Hour and 53 Minutes


          A young American earns a scholarship to Oxford University in England. He finds that he is more inclined to a criminal lifestyle than a scholarly one and builds an empire that runs smoothly until he decides to sell it and go into retirement.


         The Gentleman, earns two out of five, Underground Growing Monkeys. The story is told in a narrative style that is interesting and strives a little too hard to be edgy and cool. The acting is engaging and nice to watch. The cinematography is very well done. The Gentleman, is not a horrible movie, just not worth the price of full admission and the cost of fuel to get to the theater. A counterpoint is that you get to sit in a comfortable seat with a friend and escape the world for a couple of hours. So enjoy either way.

By Don Rae


  • Garamendi introduces a bill to swat down rail oil tankers. While such might be a problem, it would be more productive of his time if he would introduce something to help us all – like considering using vacant military bases to house the homeless and help them out.
  • All the money thrown at the Homeless problem currently is wasted. The Democrats do not want to solve the problem. For some perverse reason, they want homelessness to increase. Did you note that coronavirus folks are being housed at military bases? Change the current laws to force homeless to be removed to military bases and treated for what ails them.
  • Nostalgia. Especially then thinking of how well the City of Marysville (and any other governmental body) is governed. Lots of salaries and benefits with continuing demands for more taxes. Think back to 2014 when a Marysville consultant was hired – with your money – to guide the “Bounce Back Plan.” The company didn’t do the job. Whatever happened to “Bounce Back’? Government projects are nothing more than money pits. Your money down the drain without a benefit of any kind for you.
  • And to continue the concern. The State wants to take over PG&E? Imagine what a disaster that would be.
  • Pelosi did her best impression of a 2-year old temper tantrum by tearing up her copy of the State of the Union speech. She now says it was a spontaneous act. What a liar. She was seen on camera making small tears in the document well before the speech was over, thus showing intent.
  • Liberals are hilarious. They want to take God out of the public arena but tell us that we must take all illegal invaders because it is the Christian thing to do.
  • Having personally talked to Mitt Romney before, we can say he’s not the sharpest pencil in the box.
  • The mainstream media is so enamored about LTC Vindman that they ran nearly two full page stories from different news outlets lamenting his dismissal. Good grief. You would think he is Kobe Bryant.
  • CBS news recently reported “a 50% decline in the number of chinstrap penguins residing on Elephant Island and a 75% decline of those living on Penguin Island” all because of ….. drumroll please ….. global warming! Ironically, a scientific journal article from a 1991 study claimed that the chinstrap penguin population increased during the 1900s because of global warming. So apparently global warming can both increase and decrease the penguin population. Can’t the climate community get their story straight! Check out Trump’s recent statement on the subject at Davos: “We must reject the perennial prophets of doom and their predictions of the apocalypse. They are the heirs of yesterday’s foolish fortunetelling.” PS - Congratulations to the mainstream media for publishing that statement even though it was in paragraph 7 of the Davos article – which hardly anyone reads that far in an article.
  • Democratic hopeful – and consistent liar – Elizabeth Warren wants a 9 year old transgender to select her Secretary of Education should Warren be elected President. Is she really that insane?
  • Watching the AT&T golf tournament at Pebble Beach is instructive as well as enjoyable. Did you happen to notice that the ocean has not risen to cover the course? Haven’t all the “experts” predicted our coast would be inundated long before now?
  • California's gas tax will increase another 3 cents to 50.3 cents a gallon starting July 2020. This is an automatic gas tax increase that was part of SB 1. How much do you want to bet that little or none of the money goes to fixing roads and bridges?assed in 2017), which will continue to go up automatically without a vo How much do you wa#FongF  To make matters worse, the March primary will have 231 tax increases and bond measures, statewide and locally.  The November election, easily, will double that.  Can you afford it?  Escape to Idaho, Texas or Arizona—Free States.
  • We’ve said it again and again. Any gun control measure is unconstitutional until the 2nd Amendment is repealed. Buying ammunition in California is now subject to a background check. Hopefully someone individually or as part of a class action needs to file in court to stop this continuing assault on our freedoms.

All the additional gas taxes, added cost of Sacramento policies and regulations, imposes an additional $1.10 to every gallon of gasoline in this state. This is why our gas prices are so much higher than the rest of the country and why I strongly opposed SB 1! We cannot continue down this path of heaping more taxes and costs on everyday Californians! We need a new direction.All the additional gas taxes, added cost of Sacramento policies and regulations, imposes an additional $1.10 to every gallon of gasoline in this state. This is why our gas prices are so much higher than the rest of the country and why I strongly opposed SB 1! We cannot continue down this path of heaping more taxes and costs on everyday Californians! We need a new direction.


All the additional gas taxes, added cost of Sacramento policies and regulations, imposes an additional $1.10 to every gallon of gasoline in this state. This is why our gas prices are so much higher than the rest of the country and why I strongly opposed SB 1! We cannot continue down this path of heaping more taxes and costs on everyday Californians! We need a new direction.

With the Corona Virus making the main stream news, investors may be asking how much influence could the outbreak effect markets as the situation unfolds. As of this writing, over 41,000 cases worldwide have been reported with 910 deaths and 3,350 recovered.  By the time you read this those numbers will have likely have vastly increased. The vast majority of cases and deaths have occurred in mainland China, the location of origin but the virus has spread to dozens of countries worldwide.


The last serious virus that received worldwide attention was the SARS virus, a version of the corona virus family which broke out in China in the spring of 2003. 8,098 confirmed cases were reported with 774 deaths. Gross Domestic Product (GDP) in China fell about 1% as a result of SARS but overall markets held gains throughout the crisis with the MSCI World Index staging a gain of 21.56% in the six months following (Marketwatch).


That said there are many factors that could have influenced markets in the respective time period so conclusions are difficult to draw from the markets past performance.


Today China is a much larger player on the world stage having grown to the second largest economy in the world, behind only the United States in GDP. The current strain of Corona is more virulent, affecting 3 times as many people in the few short weeks since the outbreak hit the newswires. SARS, compared to this new strain appeared to be more deadly however, killing about 9.5% of people infected, while the death rate of this strain is about 2%.

Advance medicines and quarantine methods may have a lot to do with the lower mortality percentages. Being a more aggressive strain based on the number of people infected compared to SARS, just how far and how long the crisis will persist is unknown.


The fact is the virus is spreading exponentially, a reality of the nature of the beginning stages of contagious diseases. The more people that become sick, the more they themselves end up exposing other people through proximity or direct person to person contact.  


As investors, we must take things into consideration both pragmatically and at the same time with foresight as to what COULD happen. Considering it is estimated that up to 42.9 million people fell ill during the 2018-2019 regular flu season, 647,000 people were hospitalized and 61,200 died, we have to put things in perspective. More people die from the regular cold and flu season yearly compared to Sars and Corona (so far).


It’s not so much about the actual damage the illness might do to the population but more the FEAR of the virus. With fear comes less travel and less comingling by consumers which translates to reduced spending. This is what causes the real damage to economies and subsequently the markets they represent. Indeed some of the photos coming out of China of some of the large metropolises looking like ghost towns is concerning.


The fact that the Lunar New Year is also happening in China. This popular holiday season has a significant contribution to China’s GDP due to the massive travel and celebration the holiday usually fosters. With many Chinese people staying home it will certainly put a dent in consumer statistics. Considering tariffs are also taking a dent out of China’s economic growth, this outbreak couldn’t have come at a worse time.


Concluding, if the Chinese economy falters big time, it may have more of an effect on stocks worldwide than is currently being priced into the markets. Unless Corona is soon contained, a lingering presence could rattle markets long term with severe consequences being possible. Keep in mind no one can forecast market direction at any time and past performance does not in any way indicate future movements in the markets.


This article expresses the opinions of Marc Cuniberti and should not be construed or acted upon as individual investment advice. Investing involves risk. You can lose money. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. SMC and Cambridge are not affiliated. His website is California Insurance License # OL34249.

Have you ever had a “dream”, the kind that you could really work on if you wanted, one that could come true? I was thinking about Bill and Alice Rodenburg who moved here and dreamed of having an airport with houses you could actually “drive” your plane home to. And it happened! How many people moved to our small area of the world and worked at making their dream come true? Only a half dozen people managed to start a bank here. The doctors started our health clinic in the middle of nowhere. Bud and I dreamed of having a book store and we did it. Now I am dreaming of creating a Senior Village of small cabins that one could rent when you no longer want to live alone. Can we make this happen? A group of people in Next Step are working on the idea that we could make it happen. We are not sure what our “next step” might be, but we are looking into it. Any ideas?


            Valentine’s Day is Friday. Make those dinner reservations, buy that box of candy, and purchase the Valentine cards now. You surely don’t want to tell your Valentine, “Oh, Honey, I forgot!” We wish you all a Happy Valentine’s Day!


            Look Back in Time – in 1902 the Gold Bank Mine was running. It was music to the ears of those living in Forbestown and the miners looked happy on pay day (wish there were more small businesses that made money in our areas today, we need jobs).


            Hope to see you in Brownsville soon.    Christine and Yvonne

By Boots Johnson


Well folks, the national weather source sure does disagree with our own weather man. As stated last week he indicated we would see rain and snow by mid- February. The big one on weather says there is no rain in sight for the Sacramento Valley. Sure hope their fancy computers are wrong.


Some might wonder why I occasionally bring up the topic of weather in a fishing column. The reason is it is so important for all fish populations in California. We need water sufficient enough to bring the stripers, shad, steelhead and salmon upstream to spawn. We need runoff from the mountain snow to maintain the rivers, creeks, streams and ditches. The runoff also fills the reservoirs, which by the way are slowly dropping. All this improves the fishing tremendously.


A report from Scott’s Flat Reservoir, located off of State Route 20 above Nevada City tells us the bigger rainbow trout are on the bite. Fish up to 18 inches are being caught on or near the surface of the water. Trolling with rapalas or other lures is a good bet. Most of the anglers who are scoring big here are leaving the downriggers home and trolling with the lure at least a couple hundred feet behind the boat.


Englebright Reservoir, which is about 25 miles out of Marysville on State Route 20, is also putting out some nice trout. Best place here is to troll by the dam or around the house boats.


This is the time of year to consider fishing Camp Far West Reservoir. We have fished this lake along the shoreline trolling plugs, lures or spinners. It used to be common to catch and release 40 or 50 fish a day. The thing to remember is not to waste your time anywhere except next to shore.


Closing thought: “Be teachable, you are not always right.”

Valentine's Day plants trending upward


Live plants are gaining in popularity for Valentine's Day, with social media trends leading the way. Orchids are a top seller at one Sacramento-area nursery, with blooming succulents, tropical plants and African violets not far behind. One San Diego County grower said she's selling a lot of plants with pink blooms or leaves, as well as Anthuriums with heart-shaped flowers.


Tomato tonnage about steady this year


California tomato processors expect to handle about 12 million tons of fruit this year, a figure essentially unchanged from 2019. That's good news for the state's processing tomato growers, whose 2019 crop fell short due to late-season rain and hail. As export challenges linger, growers expect more of their harvest to be used domestically in products ranging from soup to salsa.


Natural and working lands offer potential for carbon reduction


California's working lands can help the state achieve negative carbon emissions by 2045, according to a study by Lawrence Livermore National Lab. Scientists found that increasing the uptake of carbon in natural and working lands, as well as converting waste biomass to fuels and storing the CO2, could together reduce annual carbon emissions by 109 million metric tons of the 125 million needed to reach the goal.


Oak trees may hold answer to devastating citrus disease


Scientists have found that applying oak leaf extracts inhibits the bacterium that causes the devastating citrus crop disease huanglongbing, or HLB. The disease has reduced Florida's citrus crop by 90% and led to plant quarantines in Southern California after being found in residential citrus trees. Scientists from the University of Florida and the U.S. Department of Agriculture investigated oaks after farmers observed citrus trees planted near oaks survived HLB.

It is said if you want to convince the masses of something, develop a short and concise theme and repeat it over and over.


Most of us have been subjected to many of these. I call it brainwashing and certainly I have fallen for a few mantras in my lifetime but I try to remember what my dad always said:  “When everybody is thinking the same thing nobody is thinking”.


I do seem to hear a lot of these concise mantras put forth way too often. And some don’t make any sense. In fact, come to think of it, most of them don’t.


One common one I am hearing now that the presidential elections are coming is “pay their fair share”.

Referring to the rich obviously, I have to scoff at this ridiculous petition to get votes. Pay their fair share. This might go along with the other foolish rhetoric common nowadays “the living wage”.


So dissecting these, I have to start by saying whom exactly decides what is fair and what exactly is a living wage?

Someone else besides the one on the hook for paying it I suppose. Seemingly it’s always somebody else deciding what another should pay. And isn’t that the way of it.


I dare to say there is two types of people in the world. Those that make enough money and those that want to take it from them. You could also say there are those that believe retaining one’s personal possessions is a basic right and those that ignore that right.


Regardless of what the “thing’ is, if someone has too much of it, there will be someone else who lays claim to it. This claim usually has little to do with how the thing was obtained. No matter if someone worked his butt off to get it, saved a long time to amass it or just inherited it from a parent that did, if its deemed “too much” there are those that believe it should now be someone else’s, or at least part of it should be.


 That’s where the subjective part of the mantra comes in. Words like fair share or living wage are tossed about like some God given edict applies.


Can’t recall ever seeing what exactly a “fair” share is, or just what amount is a wage suitable for living. But those that believe such things seem to have an idea of just how much is too much. Thank goodness breasts aren’t divisible, or hair transferrable.


Wait a minute, now that I think of it, I could use little more of the latter. Is it fair some have hair like Motley Crue while others have to sunscreen up their dome?


It’s probably not fair. Sometimes I admit it bugs me when I look at a picture of someone with a hairline resembling a Planet of the Apes movie. He won the hair lottery. I did not.


But hey, although seemingly unfair, I realize it’s not unfair, although it may seem like it is at times.

Rather my good sense calls it life. Life is not fair. It’s a part of, well, life.


Nowhere is it written that life is fair.  One could say life is unfair. Birds eat worms. Not exactly fair to the worm. In fact it’s fatal. Trying to mandate fairness in life is like trying to stop it from raining. It’s an exercise in absolute futility.


Some mope around dwelling on all the inequality that life offers up. But then you end up moping instead being grateful. That’s not life, its ingratitude. And I was told more than once, if we’re not thankful for what we have, we will never be happy with what we don’t.


Yes some people make more money. Some a lot more. Some have millions while others have none.


Funny thing is, we were all born naked. Some with a bank account, true, but everyone has the right to try and make a bank account and last time I looked, there were still a lot of people starting with nothing becoming people with something.


Through hard work? Maybe. Or maybe some hit the lottery and didn’t work at all.


Is that fair?  No, it’s called the lottery and it’s not fair that somebody wins it, but it happens. Funny thing however, nobody ever goes after them in the news. For some reason if you win it, all is fair. But if you work for it, nothing is.

No dear reader, I don’t know what paying a fair share means, nor a living wage. Both take someone to be the judge of whatever that is, and I am not ready to have so much hubris to think anyone can or should decide such things for another.


I don’t mind if there is rich people, millionaires or billionaires. There is no shortage of greenbacks if one thinks of a way to acquire them.


And it’s not fair my head has thinning hair while my neighbor’s thick curly locks flow magnificently in the wind.


It’s called life.


Get over it.


Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 66 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979. His website is and he can be reached at (530) 559-1214. Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages and You Tube. The views expressed are opinions only.


Deutsche Bank AG last week warned investors the stock market is pricing at “extreme levels’ as investors drive the Dow to new highs once again. Up from the mid 17,000’S in 2016, the Dow now sits in the high 28,000 range and is not all that far from the major milestone of 30,000.


The multiples of ten thousand have only been reached twice before when the Dow surpassed 10,000 and then 20,000. Closing in on 30,000 is indeed a major milestone. Deutsche strategists Parag Thatte, Srineel Jalagani and Binky Chadha wrote January 10, 2020 “Equity positioning, like the market itself, has run far ahead of current growth, as investor’s price in a global rebound”. The market is “now in the 96th percentile on our consolidated measure, with a wide variety of metrics stretched”.


In plain English, Deutsche is saying prices are very high historically speaking, and a variety of measuring metrics are all above their averages to the upside. The only time Deutsche’s metrics have been stretched farther was in January of 2018, prior to a significant sell-off in the markets according to the Deutsche strategists.


They went on to note “investors are clearly overweight” at the highest levels since October 2018. October 1, 2018 brought the start of a severe correction lasting until December 24, 2018. It was the worst correction since the 2008/19 market crash and economic real estate implosion that preceded it which brought the world’s financial system to its knees.


The S&P 500 has already gained 1.2% since January 1, 2020 pushing new records almost daily. That followed an eye-popping 29% gain in 2019, it best performance since 2013. Despite geopolitical concerns and impeachment proceedings, the market seemingly is in an almost relentless upward trajectory.


Rumors of a soft patch caused minor gyrations in the market throughout 2019 yet the indexes eventually plowed ever higher.


Deutsche strategist Chadra had been the most bullish of top strategists tracked by Bloomberg and his prediction of an S&P at 3,265 compared to the actual level of 3,231 at the end of 2019 hit the mark almost exactly. Now Chadra is relatively bearish (negative on the markets) and is calling for an S&P level of 3,250. Not that the 3,250 level is catastrophic. Far from it. It sits about that level now. What he is saying is it won’t end up higher 12 months from now and instead end up approximately where it sits now. Kind of slow grind to nowhere.


Now that we’ve got your attention, here are some caveats to keep in mind when taking the Deutsche Bank observation to heart and selling out your portfolio. No one can predict market movements with 100% accuracy and history is rife with analysts who got it right the first time around and were completely wrong on subsequent calls.


Even the smartest quants (math geniuses) employed by the largest financial firms more often than not disagree on their prognostications and I could show you 100 articles that would have you convinced the Dow  is going to 35,000 and another 100 more articles which would have you quivering in fear of a Dow 10,000. The opinions are that varied. 


If you need reasons to doubt the Deutsche warning, there are many. Unemployment is at decade lows, disposable incomes are rising, the employment market is tighter than it’s been in years, many companies are reporting better than expected earnings, interest rates are historically in a very low range, the Federal Reserve is maintaining it accommodative monetary stance and 2020 is the fourth year in the election cycle. The fourth year is historically the second best year of the four years in the cycle (2021 will be year one of this four year cycle).


Lastly there are a few old sayings on Wall Street that may calm nervous investors. From the CEO of Citibank during the real estate boom of the 2000’s. “One day it will come to an end but as long as the music is playing, you have to keep dancing”. 


That and “markets can stay illogical much longer than you can stay liquid” meaning just because the market has been rising by a huge amount, doesn’t mean it can’t keep going. Remember there have been those predicting this market would crash ever since it began its recent historic rise in late 2016 and throughout other market super-rallies.


The bottom line parallels another old saying “it’s not different this time”.  Better said “it’s different every time”. This means there is no rule that says this market can’t keep running. At some point all markets go through corrections, some severe. But with many economic statistics being more positive than in decades, this market has many reasons it could just keep going. That said, having good diversification in one’s holdings, not going too far out on a “stock limb” and having some sort of exit strategy might be prudent in the face of this historic rise.


This article expresses the opinions of Marc Cuniberti and are opinions only and should not be construed or acted upon as individual investment advice. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. SMC and Cambridge are not affiliated. His website is California Insurance License # OL34249. No one can predict market movements at any time. Investing involves risk and you can lose money. Consult a qualified financial professional before making any investment decisions and do your own research before investing.

By Boots Johnson


The word around town is about rain. We have had no sunshine and nothing but clouds which make people wonder about participation. Snow and rain is expected in the mountains but we who live in the Sacramento Valley are supposed to stay dry. We decided to contact our weather source for his prediction. He advised us to expect a dry February the first part of the month with storms dropping rain in the valley around president’s day.


We certainly hope the old guy is on the money because rain will improve the fishing, both in local reservoirs, the Delta and rivers, especially for sturgeon fishing.


Once again stripers are being caught in the Sacramento River from Knights Landing to Sacramento. The fish are hanging out next to shore.


The weather turned cold last weekend due to a cold front coming down from Alaska. This really slowed down the fishing in local reservoirs. Collins Lake reported some success with rainbow trout with some big fish caught. Apparently the cold weather did not slow the kokanee bite at Bullard’s Bar Reservoir. Fish were being caught up to 13 inches.


Folsom Lake has dropped and is on the low side for this time of year but there is still plenty of water for fishing. Reports tell us landlocked salmon and rainbow trout are hitting on spoons, spinners and small rapala lures.


The Department of Fish and Wildlife will be planting steelhead smolts (small minnows) this month in the Feather River which will bring up the striped bass from down below.


Kudos goes out to Yuba City Angler George Seekin for his 65 inch sturgeon. George was fishing with salmon roe when the big one hit while fishing near Honker Bay in the Sacramento Delta Region.


Closing thought: “Where would you be without encouragers?”

The annual election for Yuba Feather Community Services Board of Directors is coming up. This nine person board works hard to make sure maintenance is kept up in the building, at the park and ball fields and the amphitheater. It keeps track of all groups that meet there, makes plans for fund raising and more. We can always use more input from the community. The election will be held on March 3 at the community center starting at 7 pm. Hope to see you there.


            Hill Top Breakfast is being held, as usual, on February 9 from 8 am until 11 downstairs at Ponderosa Community Center in Brownsville. Come join your friends and neighbors with an “all you can eat” breakfast of eggs, ham, sausage, biscuits and pancakes. This is a great volunteer group that manages our medical transport vehicle. This breakfast helps pay the insurance, maintenance and other need for the car. Come by and help out.


            It’s Leap Year! Each year is actually 365.24 days, so, every four years, all those quarters add up to almost one and we get an extra day. Leap year is known for a few things. It’s the year presidential elections are held. Ladies, if you want to be traditionally untraditional, it’s a leap year custom for women to propose to their boyfriends on Feb. 29. People born on Feb. 29 are known as leaplings or leapers. This leap year offers an extra bonus. 2020 will be the year of celebrations. Valentine’s Day will be on a Friday, so you may want to get your reservations now. Cinco De Mayo will be on Taco Tuesday. Fourth of July and Halloween will both fall on Saturdays and Christmas Day and New Year’s Day 2021 will both be on a Friday. So 2020 should be a great year!


Look Back in Time – In 1904 Mrs. Knotwell had her store and post office in Forbestown lighted up with gasoline lamps, a great improvement (if power goes out we will wish we still had them).


            Hope to see you in Brownsville soon.    Christine and Yvonne

Desert vegetable harvest picks up momentum


Winter vegetable harvest in the California desert has picked up the pace after something of a slow start. Farmers say rains in late December and early January delayed planting and harvest in the Imperial Valley. Occasional cold weather has meant farmers had to wait until midmorning to begin their daily harvests. The desert valleys of California and Arizona produce most of the nation's lettuce, spinach and other vegetables during the winter.  


Ranchers hope for rains to sustain pastures


Rainfall the next few weeks will make a big difference in how California cattle ranchers manage their herds through the spring. Ranchers say rainfall so far this winter has been adequate to keep pastures green, meaning enough grass for their cattle. But cool weather has meant the grass hasn't grown as fast as ranchers would prefer. In some cases, ranchers say they're buying hay just in case they need to provide supplemental feed for their herds.


Lack of employees slows orchard, vineyard work


In the orchards and vineyards of California, winter means it's time to prune fruit trees and grapevines. Farmers in many parts of the state say they're having trouble hiring enough people to do the work. One Central Valley peach farmer who used to hire 40 people to prune his trees says he could only hire eight this year. Mechanical pruners have become available for vineyards. Peach farmers say their crops generally need to be pruned and harvested by hand.


USDA predicts worldwide citrus production


Worldwide production of most citrus crops will likely decline in the current harvest year, according to the U.S. Department of Agriculture. A USDA report projected reduced global crops of oranges, tangerines and mandarins, and lemons and limes. But the report said worldwide grapefruit production could set a record high. USDA said orange harvests in the U.S. and China should increase, but a smaller crop in Brazil will bring global supplies down.

By Don Rae


  • *The undisputed fact that voters in Schiff’s congressional district have not started a recall is proof that voters support his lies. Congress has not started proceedings to throw out the liar. Why not?
  • *It is said that Congress is “fighting” for the little guy. Let’s look at some “results”. The U.S. Postal Service was established in 1775. Congress has had 244 years to get it right and it is broken. Social Security was established in 1935. Congress has had 84 years to get it right and it is broken. Fannie Mae was established in 1938. Congress has had 81 years to get it right, and it is broken. The War on Poverty started in 1964.Congress has had 55 years to get it right. $1 trillion of our money is confiscated each year by Congress and transferred to "the poor" and they only want more. Medicare and Medicaid were established in 1965. In 54 years Congress can’t get it right and both are broken. Freddie Mac was established in 1970. After 49 years it is broken. Well done Congress.
  • *And let’s look at the “homeless crisis.” California Democrats have spent some $2 billion on this problem. Result? You guessed, it more homelessness. Such is what happens when we turn over problems to professional politicians, especially Democrats.
  • *We learn that there are more Otter pups being born off the California coast last year. Must be climate change.
  • One of our illustrious legislators demands a hearing on major league baseball sign stealing. Now that is a subject that will make all our lives better. You jumping on that bandwagon, Garamendi?
  • *Every law restricting guns is unconstitutional. No State or local jurisdiction can violate the 2nd Amendment to the Constitution. End of story.
  • *The Democrats and their union flunkies will do anything for power over our lives. Hopefully reason will prevail and SB868 will be used to repeal AB5 and allow freedom to work. Here’s the situation: California’s AB5 basically eliminates the ability of a worker to decide how and when they might like to work. The mainstream media has enough problems without being unable to use free-lance reporters. Of course, the Democratic bill, actively supported by unions, will also adversely affect ride share drivers, truck drivers, Amway salespeople and others.

*SB 868 by Senator Patricia Bates (R-Laguna Niguel), would also end the AB 5 rule of limiting freelance journalists to 35 articles a year per publication, allowing the freelance journalists to write an unlimited number of articles a year and would not force media companies to give employment to those who write over the article limit. AB 5 played a major part in the recent firing of hundreds of California journalists. Smaller local newspapers have needed to hire more part time writers to “pick up the slack” left open by more freelancer limits. Newspaper delivery part-timers have also been adversely affected.


  • *Federal regulations have eliminated florescent light bulbs substituting high-priced low-light “good for the environment” products; regulated dishwashers which don’t clean dishes in one cycle; low-flow toilets which require more than one flush, refrigerators which don’t operate properly. And the snowflakes want the government to take over more of our life?
  • *Apparently many of us believe that entertainers and athletes are people of importance. Other than entertainment, we never need these characters to bloviate. Their opinions are just that – opinions – and are of little value.
  • *Iran admits to accidently shooting down a civilian airliner. This event is a prime reason why these dumbbells should never be allowed to have nuclear weapons – or any other weapon for that matter.
  • *The NRA hit the nail on the head when it editorialized about the gun-control advocates. “For them it is all about their political agenda…..They are first and foremost interested in disarming America…They don’t care if ‘gun-free-zones’ are victim zones that a shocking number of mass murders have targeted. …They are focused on control – not what they like to call gun safety.
  • *You probably haven’t heard much about this problem. The mainstream media doesn’t want to cover it as what is happening doesn’t fit their agenda. But we are in the midst of a “rat” crisis which is destined to overwhelm us if something appropriate is not done. According to “experts” the rat population has increased by 50% in the past five years. Why? Of course, one reason is the unsanitary conditions found in the numerous homeless encampments in California. But also helping the increase of rats is California’s outlawing use of the most highly effective type of rat poison; a single-dose rodenticide, an anti-coagulant poison. Keep it up environmentalists and ignorant snowflakes, let’s let the rats multiply and thrive. And you thought Bubonic Plague went out with the Middle Ages.

Starring: Will Smith, Martin Lawrence, and Vanessa Hudgens

Rated: R  

Runtime: 2 Hours 4 Minutes


          Two Miami police detectives are ambushed by an intensely personal case that puts their world on edge and threatens their friendship. One detective strives for retirement and ease while the other is driven by a mix of duty, ego, and revenge. The path of the case will be a true test of will, justice,  character, and love.


         Bad Boys for Life, earns three out of five, Heather Calling Monkeys. The story is more than explosions and fancy fight scenes with lots of gun shots. Hidden beneath the mayhem is an exploration of the ties of blood and duty. The acting is well done and the cinematography and special effects are a true feat of accomplishment. This is a fun film that will keep you entertained and is worth the time and money to see on the big screen.

Sturgeon fishing at the Delta got off with a couple derbies planned and apparently plenty of sturgeon reports coming into marinas. Those anglers who go after the big fish should keep an eye out for derby dates and more information.


Bullard’s Bar is still producing lots of kokanee salmon but the fish are running small at this time with fish up to eleven inches. This is no big deal but not too bad for January.


The King salmon at Lake Oroville are on the bite with fish up to four pounds in the mix. Bass are also available but are hard to catch at this time.


We have heard there are some big striped bass being taken on the Sacramento River at this time. We could not get any location but learned the fish are near the City of Sacramento and are being caught on sardines from shore.


Ice fishing at Lake Davis is back in swing with good success. Fishing at this reservoir has continued to get better as time goes by. The best bet is to fish with night crawlers or dough bait. We are told the best place is the lightening tree area. The annual Davis Lake trout derby is scheduled for February 1, 2020 with entry fees at $20.00.


Sturgeon fishing always brings up the striped bass. All the bait soaking that takes place manages to drift down river and smell gets the stripers hungry as they go upstream looking for food.

Collins Lake, a popular spot for local anglers has slowed down considerably last week due to the cold weather and rain. Expect this reservoir to explode with action when spring approaches, which believe it or not is really not that far away.


Folks who have been fishing the Sacramento River for Striped Bass are talking around town about an early run this year in February. We shall see about this one as time goes by.


Closing Thought: “Old fishing line could cost you a trophy fish so get with it and replace it”

            The Next Step Group has a couple of projects in the works and hope to have some definite news soon. One is a van that can be taken to local happenings as well as to the valley. There will be a central phone number to call to organize the trip. Up to six passengers can call for a ride to Stone Soup or Farmer's Market, several people can organize a ride to town to WalMart or another central spot. Perhaps we could arrange a trip to the movies or to a casino sometime. Now to get the van insured and ready to use. The next project is further down the line. What do you think about building a village of small cabins clustered around a lodge that can be used for potlucks, games or community gatherings? So many details have not been worked our, but it is under discussion. How can we get Yuba County involved, can we use solar power, should we rent, lease, or buy cabins?  Should we build from scratch or buy modular houses? There are many people in and around Brownsville that would benefit from some sort of cooperative village living. Keep watching for more details as we make plans.


            Look Back in Time – In 1909 we had fifty inches of rain during the month of January (wonder what it will be this year).


            Hope to see you in Brownsville soon.    Christine and Yvonne