Seniors,

The Silver Bear Cafe is an educational resource for those concerned with the conservation and preservation of their assets. Through our referral program, one can also subsidize a fixed income.

As you can tell from our "contrarian editorial slant", we anticipate deflation, job destruction and continued underperformance of the economy.

There is a quite large risk that people who are heavily into long bonds will be sitting on large capital losses. If interest rates on 10-year Treasury notes rise from 4 percent to 6 percent, for example, the value of those notes will drop by almost 14 percent. You can have a sizable loss, and that's not well understood.

The byword is to stay liquid. If interest rates go up, you want to be able to redeploy your assets.

If interest rates continue to fall, stocks will do poorly and investors wouldn't have any place at all to earn money on their money. Stockholders would be punished more, and that's a frightening environment for older investors. If you're 80 or 70, you have a lot less time to recoup stock market losses if things turn sour.

We will continually search for stocks and issues that out perform the norm. We will keep you apprised of the value in having some exposure to precious metals. Most importantly, will will offer you the opportunity, as subscribers, to participate in our Subscriber Referral Program and avail you the means of a revenue stream that can be of significant value in these times of uncertainty. If you find the information provided on the Silver Bear Cafe to be valuable, you will enjoy "spreading the word" and turning friends and neighbors on to "the Cafe".