“Do I sell my municipal bonds today at both a loss of capital and high interest, tax-free income or do I take the chance of losing my life’s savings between now and 2013?” The Purpose of this book is to help investors answer this urgent question. Countless people lost their life’s savings in 2008 due to the Global Financial Meltdown, but those holding municipal bonds thought that they had escaped. During the next two years from 2011 to 2013 they could lose their savings due to defaults because of countless reasons provided in this book. It begins with a list of 62 Commons Myths concerning muni bonds and continues with a story of Marianne that explains the unsafe and complex nature of munis of which most investors are not aware. The book continues by informing the reader that Not All Financial Advisors are Created Equal. Then it defines and explains the nature of those who control the markets, including Smart Money, the Fed and Politicians. Besides the urgency of the question between 2011 and 2013, this book is an excellent source of information for anyone interested in investing in municipal bonds.