11 Things to Do With Your Money in Financial Crisis, in Difficult
Economic Time!

Protecting Your Financial Future
1. Hold More Cash in Reserve

As always, when things get nutty in the markets cash is king. A healthy cushion in bank CDs or
money market funds will let you ride out the slump without having to sells assets at fire-sale
prices. A cushion will also put you in position to invest when the downturn's bottom is in sight
— and that could come sooner than you expect.

2. Spend Less, Find Something to Cut
Eliminating expenses is the surest route to building a cash safety net. There are many costs
you can easily hack away at in your home — dry cleaning bills, dinners out, domestic help.
Yet you may be able to save even more, and painlessly, by paying closer attention to the fees
you pay for financial services. Switch to a low-fee stock index fund. Make sure you've got
overdraft protection on your checking account and aren't needlessly ringing up fees by using
another bank's ATMs. Reassess your life insurance needs.

3. Pay Down Debt; Interest rates are killer
It may seem like an overwhelming task, so do it by focusing on one piece at a time. Start by
paying off your credit card with the smallest balance. You'll feel empowered once you've
cleaned that slate. Then move to the card with the highest interest rate, and then onto
consumer loans with variable rates. Where will you get the money? If you get a raise, or pay
off a car or student loan or become free from some other regular expense don't spend the
difference — dedicate it to debt reduction.

4. Make Sure Your Money is Safe
Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-OUT PACKAGE. Americans react.
What are you doing with your money in the wake
of the financial crisis? HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT YOUR
MONEY AND HAVE PEACE OF MIND!

The federal government recently raised the amount of deposits per person per institution that
it will guarantee to $250,000 from $100,000. But it had been discussing a limitless guarantee.
So don't be confused. More important, this is a temporary bump in coverage that may last only
through the end of 2009. So if you consolidate deposits in a single institution you may have to
reverse the process in little more than a year. To keep things simple just play by the old rules
— keep no more than $100,000 in any one institution, at least until it becomes clear that the
higher limit will be made permanent. There have been no changes to government guarantees
regarding securities held in a brokerage account. The limit is $100,000 of coverage on cash
deposits and up to $500,000 on other securities like stocks and bonds. Note: the government
does not guarantee against investment losses; only that the securities you own will be returned
to you at prevailing market prices
should your broker fail.


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11 Great things to do with your money in financial crisis, in difficult economic
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Obama looks to Lincoln for inspiration
President-elect Barack Obama makes no secret of his admiration for the 16th
president of the United States. Abraham Lincoln's Gettysburg Address is the
inspiration for Obama's inaugural theme, organizers say. Today's
whistlestop-like train trip follows that taken by Lincoln. And Obama will use the
Lincoln Bible for his inauguration.
Bank bailout: Get ready for next phase
Economy is getting worse and banks' books are still weighed
down with junk. Washington is looking at new solutions that
sound familiar
FDIC encourages banks to lend more
Government broadens Temporary Liquidity Guarantee Program to
guarantee secured bank debt until 2019, hoping to encourage new
lending.

Federal banking regulators are considering a plan to dramatically expand
a lesser-known bailout program that provides government guarantees to
hundreds of billions of dollars of corporate debt.

The Federal Deposit Insurance Corp. will likely change its so-called
Temporary Liquidity Guarantee Program later this month, by extending
the maximum maturity of its payment guarantee on new "covered" bonds
issued by banks to 10 years from three years.

Covered bonds are issued by banks, backed by collateral, like a mortgage
or a consumer loan, that exists on the bank's balance sheet. It is different
than an asset-backed security, which does not require banks to actually
own the asset they use to back the debt issuance. The bonds are popular
in Europe, but have only been offered on a limited basis in the United
States.

Under the new extension, the program would cover secured debt issued
from January 2009 until June 30, 2010.
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What is EESA?

The Emergency Economic Stabilization Act of 2008 (EESA) was
signed into law on October 3, 2008, during a time of tremendous
financial upheaval and economic uncertainty.

The Troubled Assets Relief Program (TARP) was established under
the EESA with the specific goal of stabilizing the United States financial
system and preventing a systemic collapse.  Treasury has established
several programs under the TARP to stabilize the financial system and
has now created the Financial Stability Program to further stabilize the
financial system, restore the flow of credit to consumers and
businesses and tackle the foreclosure crisis to keep millions of
Americans in their homes.
The Capital Purchase Program (CPP) is a voluntary program in which
the U.S.

Government, through the Department of Treasury, invests in preferred
equity securities issued by qualified financial institutions.  Participation is
reserved for viable institutions that are recommended by their federal
banking regulator.  Treasury’s intent is to provide immediate capital to
stabilize the financial and banking system, and to support the economy. It
is vital that lending be available to families and businesses that need
access to credit, to pay for college or to invest and create jobs.  A
necessary precursor to lending and economic recovery is a stable, healthy
financial system
Automotive Industry Financing Program

The objective of this program is to prevent a significant
disruption of the American automotive industry that poses a
systemic risk to financial market stability and will have a
negative effect on the economy of the United States. The
program will require steps be taken by participating firms to
implement plans that achieve long-term viability
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What Is Sovereign Debt?
Is Sovereign Debt the New Subprime
?

Is Sovereign Debt the New Subprime?

That’s a question many on Wall Street are asking as 2009 comes to a
close. Just as many subprime borrowers were unable to make their
mortgage payments in 2007 and 2008, investors now fear certain
nations will be unable to pay their debts in the year ahead.

Rising mortgage defaults and credit card delinquencies put many banks
on the brink of bankruptcy in 2008, sending the global economy into a
tailspin. But sovereign debt defaults are potentially even more
catastrophic as they can lead to geopolitical instability, societal unrest
and even war. And there will also be economic ramifications for
investors worldwide, putting America’s (and the globe’s) fragile
recovery at great risk.

To varying degrees, Greece, Spain, Ukraine, Austria, Latvia, Mexico are
just a handful of the nations viewed at risk of defaulting. Meanwhile,
Dubai only just avoided a similar fate thanks to a $10 billion bailout from
their oil-rich neighbor Abu Dhabi.

So, who else out there could rattle our constantly more interconnected
world? Here's a look at where the trouble spots could be:
What Is Sovereign Debt?

Now that we’ve (hopefully) got your attention, here are some
definitions for those unfamiliar with the subject:

“Sovereign debt” refers to the debt of nations. Just as the U.S. issues
Treasuries backed by the “full faith and credit” of the government,
other nations sell bonds in order to raise money to pay for programs
ranging from armies to public healthcare.

A “default” refers to a nation’s inability (or refusal) to repay its debt.
Whether a homeowner sends “jingle mail” (home keys via post)
because a lost job makes mortgage payments impossible or because
a drop in home values makes paying the mortgage uneconomical, the
effect on the bank is the same: they lent money and now they’re not
getting it back.

The same goes for investors who’ve purchased sovereign debts. This
is critical because nations’ debt is often viewed as safer than
corporate debt since countries have the ability to raise taxes and
increase tariffs in order to raise money to pay their debts.


But “safer” is not the same as “safe” and certainly not guaranteed.
There are risks in owning nations’ or sovereign debt, as with any
stock. Defaults by Argentina in 2002 and Russia in 1998 are just
recent examples in the long history of sovereign debt defaults going
back to the Spanish empire in the 1600s.

High Debt-to-GNP Ratio

Since 1970, nearly half of sovereign defaults have occurred in nations
debt-to-GNP (gross national product) ratios of 60% or more. This
makes sense: As a country’s debts start to approach the size of its
total economy (or GNP), it gets harder to make the payments, just like
a individual whose debts start to eat up all (or most) of their salary.

Countries like the U.S. and U.K. have triple-A ratings, meaning they are
considered the strongest in terms of the ability to repay their debt.
(The ratings from top to bottom are based on the alphabet, AAA being
the best to CCC meaning the financial world doubts your ability to pay
the money back.)

However, some experts worry about those pristine ratings being in
jeopardy as Anglo-Saxon nations continue to accumulate massive
amounts of debt to pay for spending, and to take on the recession.
Sub-prime? Sub-prime is nothing compared to US default. Deficit
spending is for countries that have earning power! Like China.

US has been living beyond it's means for decades. How much more do
you think it will last? If US economy was a private business, we would
have closed it down long time ago.

We are borrowing money to pay the salaries of employees who are not
creating enough value to pay back the debt we are accumulating! US is
like a bankrupt company.
The public and private debt is too high. GDP increasing does not mean
that recession is over. We have borrowed trillions and printed a trillion
and then we say "hey look, GDP is up!". LOL Are you kidding me?

What about GDP-Debt?? GDP is up, but how about tax receipts? How
much will they go up so that we may pay off debt? This is the biggest
bubble in history. Soon US will not be able to borrow at these low rates.
When the treasury rates go up, FED will follow. It is going to kill any
recovery we may have.

Tax is going to go up just to pay the interest on the loans! Say goodbye
to housing. With higher rates, big ticket items will have the mother of
all deflationary crashes!
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PREFERRED STOCK
Preferred stock,
also called preferred shares, preference shares, or simply
preferreds, is a special equity security that has properties of both an equity and a debt
instrument and is generally considered a hybrid instrument. Preferreds are senior (i.e.,
higher ranking) to common stock, but are subordinate to bonds.[1]

Preferred stock usually carries no voting rights,[2] but may carry a dividend and may
have priority over common stock in the payment of dividends and upon liquidation.
Preferred stock may have a convertibility feature into common stock. Terms of the
preferred stock are stated in a "Certificate of Designation".

Similar to bonds, preferred stocks are rated by the major credit rating companies. The
rating for preferreds is generally lower since preferred dividends do not carry the same
guarantees as interest payments from bonds and they are junior to all creditors.[3]



What is the difference between preferred stock and common
stock
?

First, preferred stockholders have a greater claim to a company's assets and earnings.
This is true during the good times when the company has excess cash and decides to
distribute money in the form of dividends to its investors. In these instances when
distributions are made, preferred stockholders must be paid before common
stockholders.
However, this claim is most important during times of insolvency when common
stockholders are last in line for the company's assets. This means that when the
company must liquidate and pay all creditors and bondholders, common stockholders
will not receive any money until after the preferred shareholders are paid out.

Second, the dividends of preferred stocks are different from and generally greater than
those of common stock. When you buy a preferred stock, you will have an idea of when
to expect a dividend because they are paid at regular intervals.

This is not necessarily the case for common stock, as the company's board of directors
will decide whether or not to pay out a dividend. Because of this characteristic,
preferred stock typically don't fluctuate as often as a company's common stock and
can sometimes be classified as a fixed-income security. Adding to this fixed-income
personality is the fact that the dividends are typically guaranteed, meaning that if the
company does miss one, it will be required to pay it before any future dividends are paid
on either stock.
{IMF} International Monetary Fund

The
International Monetary Fund (IMF) is an intergovernmental organization that
oversees the global financial system by taking part in the macroeconomic
policies of its established members, in particular those with an impact on
exchange rate and the balance of payments.

The organization's stated objectives are to stabilize international exchange rates
and facilitate development through the influence of neoliberal economic policies
[1] in other countries as a condition of loans, debt relief, and aid.[2] It also offers
loans with varying levels of conditionality, mainly to poorer countries.
Its headquarters is in Washington, D.C. The IMF’s relatively high influence in world
affairs and development has drawn heavy criticism from some sources.[3][4]

The
International Monetary Fund was conceived in July 1944 originally with 45
members and came into existence in December 1945 when 29 countries signed
the agreement,[5] with a goal to stabilize exchange rates and assist the
reconstruction of the world’s international payment system.

Countries contributed to a pool which could be borrowed from, on a temporary
basis, by countries with payment imbalances. The IMF was important when it was
first created because it helped the world stabilize the economic system.
World Bank
The World Bank is an international financial institution that provides loans[2] to
developing countries for capital programmes. The World Bank's official goal is the
reduction of poverty. By law,[which?] all of its decisions must be guided by a
commitment to promote foreign investment, international trade and facilitate
capital investment.[3]


---------------------------
Central bank  //
Central bank websites--

Central bank, reserve bank, or monetary authority is a public institution that
usually issues the currency, regulates the money supply, and controls the interest
rates in a country.
Central banks often also oversee the commercial banking
system of their respective countries. In contrast to a commercial bank, a central
bank possesses a monopoly on printing the national currency, which usually
serves as the nation's legal tender.[1][2] Examples include the Bank of England,
the European Central Bank (ECB), the Federal Reserve of the United States, and
the People's Bank of China.[3]

The primary function of a
central bank is to provide the nation's money supply, but
more active duties include controlling interest rates (i.e., price fixing), and acting
as a lender of last resort to the banking sector during times of financial crisis
(e.g., bailouts). It may also have supervisory powers, intended to prevent banks
and other financial institutions from reckless or fraudulent behaviour. Central
banks in most developed nations are independent in that they operate under rules
designed to render them free from political interference.
Inter-American Development Bank
The
Inter-American Development Bank (IADB or IDB or BID) is the largest source of
development financing for Latin America and the Caribbean.[1] Established in
1959, the IDB supports Latin American and Caribbean economic development,
social development and regional integration by lending to governments and
government agencies, including State corporations.

At the First Pan-American Conference in 1890, the idea of a development institution
for Latin America was first suggested during the earliest efforts to create an
inter-American system. T
he IDB became a reality under an initiative proposed by
President Juscelino Kubitshek of Brazil. The Bank was formally created on April 8,
1959, when the Organization of American States drafted the Articles of Agreement
establishing the
Inter-American Development Bank.[2]
Eurozone

What Does Eurozone Mean?
A geographic and economic region that consists of all the European Union countries
that have fully incorporated the euro as their national currency.

The eurozone is one of the largest economic regions in the world and its currency, the
euro, is considered one of the most liquid when compared to others. This region's
currency continues to develop over time and is taking a more prominent position in the
reserves of many central banks.

Monetary policy of the zone is the responsibility of the European Central Bank (ECB)
which is governed by a president and a board of the heads of national central banks.
The principal task of the ECB is to keep inflation under control.

Though there is no common representation, governance or fiscal policy for the
currency union, some co-operation does take place through the Euro Group, which
makes political decisions regarding the eurozone and the euro. The Euro Group is
composed of the finance ministers of eurozone states, however in emergencies,
national leaders also form the Euro Group.

Since the late-2000s financial crisis, the eurozone has established and used provisions
for granting emergency loans to member states in return for the enactment of
economic reforms. The eurozone has also enacted some limited fiscal integration, for
example in peer review of each other's national budgets. The issue is highly political
and in a state of flux as of 2011 in terms of what further provisions will be agreed for
eurozone reform.

On occasion the eurozone is taken to include non-EU members who use the euro as
their official currency.
EuromarketWhat Does Euromarket Mean?

The market that includes all of the European Union member countries - many of which
use the same currency, the euro. All tariffs between Euromarket member countries
have been abolished, and import duties from all non-member countries have been
fixed for all of the member countries. The Euromarket also has one central bank for
all of the member countries, the European Central Bank (ECB).


The Euromarket is a large single market comprised of all member countries,
allowing for more efficient trade and the centralization of monetary policy through the
ECB. The Euromarket is considered a major finance source for international trade,
through the money market or eurocurrency, eurocredit and eurobonds.
Commodity
A commodity is a good for which there is demand, but which is supplied without
qualitative differentiation across a market.[1] A commodity has full or partial fungibility;
that is, the market treats it as equivalent or nearly so no matter who produces it.
Examples are petroleum and copper.[2]

The price of copper is universal, and fluctuates daily based on global supply and
demand. Stereo systems, on the other hand, have many aspects of product
differentiation, such as the brand, the user interface, the perceived quality etc. And, the
more valuable a stereo is perceived to be, the more it will cost.

In contrast, one of the characteristics of a commodity good is that its price is
determined as a function of its market as a whole. Well-established physical
commodities have actively traded spot and derivative markets.

Generally, these are basic resources and agricultural products such as iron ore, crude
oil, coal, salt, sugar, coffee beans, soybeans, aluminium, copper, rice, wheat, gold,
silver, palladium, and platinum. Soft commodities are goods that are grown, while hard
commodities are the ones that are extracted through mining.

There is another important class of energy commodities which includes electricity,
gas, coal and oil. Electricity has the particular characteristic that it is either impossible
or uneconomical to store, hence, electricity must be consumed as soon as it is
produced.

Microeconomics
What Does Microeconomics Mean?
The branch of economics that analyzes the market behavior of individual
consumers and firms in an attempt to understand the decision-making process
of firms and households.

It is concerned with the interaction between individual buyers and sellers and the
factors that influence the choices made by buyers and sellers. In particular,
microeconomics focuses on patterns of supply and demand and the
determination of price and output in individual markets (

Microeconomics
Microeconomics (from Greek prefix micro- meaning "small" + "economics") is a
branch of economics that studies the behavior of how the individual modern
household and firms make decisions to allocate limited resources.[1] Typically, it
applies to markets where goods or services are being bought and sold.

Microeconomics examines how these decisions and behaviours affect the supply
and demand for goods and services, which determines prices, and how prices, in
turn, determine the quantity supplied and quantity demanded of goods and
services.[2][3]

This is in contrast to macroeconomics, which involves the "sum total of
economic activity, dealing with the issues of growth, inflation, and
unemployment."[2] Microeconomics also deals with the effects of national
economic policies (such as changing taxation levels) on the aforementioned
aspects of the economy
Index fund
Index Funds | Index Mutual Funds | Investing in Index Funds
An index fund or index tracker is a collective investment scheme (usually a
mutual fund or exchange-traded fund) that aims to replicate the movements of
an index of a specific financial market, or a set of rules of ownership that are
held constant, regardless of market conditions.
--------------------


Real estate investment trust
A real estate investment trust or REIT is a tax designation for a corporate entity
investing in real estate. The purpose of this designation is to reduce or eliminate
corporate tax. In return,
REITs are required to distribute 90% of their taxable income into the hands of
investors. The REIT structure was designed to provide a real estate investment
structure similar to the structure mutual funds provide for investment in stocks

REITs can be publicly or privately held. Public REITs may be listed on public
stock exchanges.

Real Estate Investment Trust - REIT
What Does Real Estate Investment Trust - REIT Mean?

A security that sells like a stock on the major exchanges and invests in real
estate directly, either through properties or mortgages.

REITs receive special tax considerations and typically offer investors high
yields, as well as a highly liquid method of investing in real estate.

Equity REITs: Equity REITs invest in and own properties (thus
responsible for the equity or value of their real estate assets). Their revenues
come principally from their properties' rents.

Mortgage REITs: Mortgage REITs deal in investment and ownership of
property mortgages. These REITs loan money for mortgages to owners of real
estate, or purchase existing mortgages or mortgage-backed securities. Their
revenues are generated primarily by the interest that they earn on the mortgage
loans.

Hybrid REITs: Hybrid REITs combine the investment strategies of equity REITs and
mortgage REITs by investing in both properties and mortgages.
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