February 10, 2012 Rabbi Nathan Lopes Cardozo: The biblical case against small-mindedness involved diminishing His precious prophet Caroline B. Glick: The Peace Process is over. Finally Lisa M. Krieger: Man with defibrillator demands access to his own heart's information David G. Savage: Why activists may not be in a hurry to have High Court rule on alternative marriage Rachel Koning Beals: Gen X Women Continue to Shrink Gender Investing Gap The Kosher Gourmet by Faith Durand: Who Says You Can't Make Restaurant Favorites at Home?: MANGO AND STICKY RICE February 9, 2012 Jeff Strickler: An argument a day keeps the divorce away, they say Clifford D. May: CAIR's Crusade against The Third Jihad Melissa Healy: Study finds jolt to the brain boosts memory Laura McMullen: 10 Least Expensive Public Schools for Out-of-State Students Kimberly Palmer: How to actually enjoy -- relaxing, financially -- your vacation Emily Brandon: 10 Necessities for a Great Retirement Spot The Kosher Gourmet by Diane Rossen Worthington: Winter Squash and Red Swiss Chard Risotto is Colorful Cozy Cold Weather Fare (includes detailed dos and don'ts) February 8, 2012 Rivy Poupko Kletenik: Tree hostility: The auspicious history of the evolution of Tu B'Shevat Steven Emerson: Planting Trees is Racist?! Warren Richey: Why momentous Prop. 8 ruling might not satisfy gay-rights groups Anne Applebaum: Russia's Potemkin democracy Menachem Wecker: Though Controversial, LL.M.'s Can Lead to Specialized Legal Jobs Emily Brandon: 10 Necessities for a Great Retirement Spot The Kosher Gourmet byDana Velden: Going to the bother of making soup? You know it better be good. This CREAM OF TOMATO SOUP certainly is! And it's a cinch to make, too (Includes techinques and serving secrets) February 7, 2012 Kathleen Hennessey and Christi Parsons: Obama not worried that birth-control move will hurt his re-election chances with Catholics, other faithful Caroline B. Glick: Obama's rhetorical storm Frank J. Gaffney, Jr.: Caught off-guard? President's Super Bowl interview with Matt Lauer gives those who need a reason not to vote for him, a darn good one Suzanne Bohan: Leaping lizards! Tiny reptiles advancing robot design David Francis: How to Avoid an IRS Audit The Kosher Gourmet by Emma Christensen: These homemade energy bars (3 recipes) are far better workout fuel than commercial ones, packing power and taste February 6, 2012 Scott Peterson: Iran's top ayatollah: We're trumping the West Jonathan Tobin: Iran Threatens Israel With Destruction, But the New York Times Doesn't Hear It Jeffrey Fleishman: In newly democratic Egypt, tens of democracy activists jailed, to stand trial; their groups are 'threatening the stability of the homeland' Julie Deardorff : Researchers say antioxidants may not be that effective and could do more harm than good Philip Moeller: Where Smart Investors Put Their Money Mark Clayton: How did Anonymous hackers eavesdrop on FBI and Scotland Yard? The Kosher Gourmet by Joseph Erdos: Vegetable Frittata --- leftovers never tasted so scrumptious February 3, 2012 Rabbi Dr. Warren Goldstein: Living with ideals --- in reality Caroline B. Glick: Fool me twice Jonathan Tobin : Adelsonphobia Strikes in Nevada Caucus Edmund Sanders : Israeli official says Iran is creating missile that could reach East Coast of US Kimberly Palmer : 8 Ways to Get Ready for Retirement Now Victoria Kim: Immigrant-smuggling ring used black drivers to avoid racial profiling The Kosher Gourmet by Faith Durand: A quick cookie recipe: Hazelnut and Olive Oil Shortbread: Sweet, Nutty, and Savory February 2, 2012 Rabbi Yaakov Rosenblatt : Welcome Home, Governor Perry Jim Carney: Wrong number call may have saved her life Reza Kahlili : Ex-CIA spy in Iran's Revolutionary Guard: What Obama doesn't grasp about striking deals with Tehran Kelsey Sheehy : 5 Tips for Choosing an M.B.A. Concentration Rachel Koning Beals : Investors Increasingly Tap Social Media for Stock Tips Tina Susman: For woodchuck rescuer, every day is Groundhog Day The Kosher Gourmet by Leela Cyd Ross : Savory vegetable pie is a taste of European bistro with minimal effort and maximal flavor February 1, 2012 Nara Schoenberg: What to do when you've been dissed Michelle Malkin: First, They Came for the Catholics Brian Bennett: US officials see increasing threat of domestic attack from Iran Lisa M. Krieger: Possible breakthrough in preventing Alzheimer's Emily Brandon: How to Take Advantage of New 401(k) Fee Disclosures Susan Johnston: 5 Apps for Organizing Your Expenses at Tax Time The Kosher Gourmet by Mario Batali: The famed chef's Broccoli and White Bean Soup can easily be a lunch in itself, or a nice antipasto --- and is hard to mess up January 31, 2012 Paul Greenberg: Separation of Church and State works two ways Caroline B. Glick: Hamas and the Washington establishment Frank J. 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Need we say more? January 25, 2012 Andrew Silow-Carroll: Speak politics the Jewish way! Richard Simon: House passes two bills endorsing the use of religious symbols at military memorials Fred Weir: Putin: Multiethnic Russia cannot survive as a US-style 'melting pot'; must find its own way Susan Johnston: 5 Sneaky Coupon Strategies Consumers Should Watch Out For Menachem Wecker: Adding an extra 'm' -- marriage -- to that M.B.A. Melissa Healy: Harnessing shrooms' magic The Kosher Gourmet by Hilary Meyer: 3 Secrets Leave All of the Comfort in this 'Comfort Food', but few of the Calories January 24, 2012 Carol Clark: The price of your soul: How your brain decides whether to 'sell out' Caroline B. Glick: America lost most in 'Arab Spring'. Sadly, many voters still don't grasp the extent Warren Richey: Drug criminal scores win in GPS ruling from conservative-leaning high court Jada A. Graves: 6 Careers to Watch in 2012 Jason Koebler: Who Should Have Access to Student Records? 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May: How terrorists lose their stigma Suzanne Bohan: Vanquishing social anxieties without drugs Lisa Fernandez and Sean Webby: In alternative lifestyle, domestic violence means men as victims and women being abusers Danielle Kurtzleben: The 10 Best Cities for Finding a Job The Kosher Gourmet by Diane Rossen Worthington: Three bean soup with gremolata January 18, 2012 Edward I. Koch: Why the Crocodile Tears, Hillary? David G. Savage: Supreme Court to Principals: You have been warned George Friedman of Stratfor: Iran, the U.S. and the Strait of Hormuz Crisis Jason Koebler: 'Holy Grail' of Flu Vaccines by Next Year Alex M. Parker: The Off-the-Radar Congressional Targets of 2012 The Kosher Gourmet by Susan Russo: Got soft apples? Make Apple-Maple Walnut Breakfast Quinoa January 17, 2012 Frank J. Gaffney Jr.: No-kidding red lines: U.S. response to an Iranian nuke may be bluster, but Israel's won't be David G. 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Jewish World Review Sept. 29, 2008 / 29 Elul 5768 Money protection only goes so far, so know the risks By Gail Marks Jarvis http://www.JewishWorldReview.com | (MCT) You can't afford to make no-brainer decisions with money now, especially with the money you intend to keep completely safe. People generally know they are taking some risks when they buy stocks, corporate bonds and mutual funds. But during the financial stresses of the last few weeks, they've discovered that even seemingly safe havens became quite unpredictable. With institutions such as Washington Mutual failing, for example, the Federal Deposit Insurance Corp. has been stepping in to make sure people receive money back when banks collapse. But people aren't guaranteed to get everything they have had in banks. The FDIC has limits on the money they will return to people - $100,000 for an individual, $100,000 per person in joint accounts, and $250,000 in individual retirement accounts. Money market funds, too, used to be considered as safe as savings accounts. But no more. A couple of weeks ago, a money market fund had its value fall below $1 per share and investors began to lose money. With investors rushing to pull billions out of the funds earlier this month, the government quickly stepped in and promised to make sure that people with money in the funds wouldn't lose money. The government is insuring the funds for a year. But the protection isn't as far-reaching as many believe. Some financial advisers think that any money put into a money market fund now has a government guarantee. But that is not the case, according to the Treasury Department. Rather, money that was in a money market fund on Sept. 19 is fully protected. An individual who adds money will only have protection on the original money. This means investors must think carefully about the money market funds they are using. Some are riskier than others. If people pull money from one money market fund and put it into another, they will forfeit the protection they would have had if they'd stayed with the fund they were using Sept. 19. The explosive environment lately has made some financial advisers cautious about handling the cash their clients need to draw on for short-term needs - especially retirees, who are often advised to keep a year to two years of cash handy for living expenses. Money market funds have been a favorite short-term savings place because they often pay slightly higher interest rates than bank savings accounts or bank money market accounts. Now that it's clear that money market funds are less safe than once thought, Steve Weinstein, president of Altair Advisers in Chicago, is using funds that invest only in Treasuries. In addition, rather than relying on only one money market fund, some clients are dividing their money into several to lessen the risk, Weinstein said. Those using bank savings accounts and CDs are also making sure they don't rely on a single institution. Through a program called the Certificate of Deposit Account Registry Service, or CDARS, a person can have accounts larger than $100,000 and still receive FDIC protection. The person can deposit a large sum into a CDARS program at a bank, and then the program divides the money up into CDs at multiple institutions. For example, a person with $500,000 would have five CDs at five different banks, but have paperwork from a single source and full FDIC protection. "It's all about diversification," Weinstein said. Given the current state of the financial system, it's difficult to anticipate risks, so spreading money into multiple accounts provides a level of protection. Besides his cautious approach with cash, Weinstein is being careful with bonds. Typically, investors have considered many municipal bonds as almost as safe as U.S. Treasury bonds. That's been especially true of general obligation bonds, or the bonds that states, cities and other governments pledge to pay with tax money, regardless of any stresses that might arise. Currently, however, financial advisers are growing leery of municipal bonds too. With unemployment climbing and real estate values falling, cities and states are expected to have declining tax revenue. The National Conference of State Legislators says many states will be facing financial pressures in 2009. The group estimates a $40.3 billion shortage in revenue to cover costs. Governments will be making cuts in expenses, and some already have been tapping rainy-day funds. To protect investors, some advisers are selecting only general obligation bonds from states rather than cities. Bruce Heyman, managing director of Goldman Sachs Private Wealth Management, has been using high-quality escrowed to maturity prerefunded municipal bonds. With such bonds, the investor is protected because U.S. Treasuries are put aside to cover the payments. For investors who want safety, "make sure they are escrowed," Heyman said. Of course, relatively safe municipal bonds - like U.S. Treasuries - are providing very little yield now. The municipal bonds Heyman likes may be yielding about 2.1 percent. But Marilyn Cohen, president of Envision Capital Management in Los Angeles, warns investors to beware of seeking higher yields with money that must be safe. "We are in the midst of a crisis, not the end," Cohen said. "It's ludicrous to seek more yield in the middle of a crisis." Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. Gail Marks Jarvis is a personal finance columnist for the Chicago Tribune and author of "Saving for Retirement without Living Like a Pauper or Winning the Lottery." Comment by clicking here. Previously: 08/26/08: Retail stocks may not be best fit for investors 08/20/08: Rear-view mirror investing can be dangerous to a portfolio 07/01/08: What do we do? My daughter didn't get a scholarship 02/25/08: Before abandoning your mutual fund 02/14/08: Dirty little secret of some funds may be haunting 01/29/08: Sorting out the stock market 01/03/08: One word for 2008 crystal-ball gazers: Caution 12/11/07: ‘Buy and hold’ isn't necessarily tried and true 11/26/07: Translating the falling dollar's implications for investors 11/13/07: Gradual retirement may not be key to happiness 11/05/07: Rate cut won't offer immunity to investors 10/29/07: Employers set to help workers save in 401(k) accounts 10/22/07: Playing bounce may be costly to stock investors 10/10/07: Investors find boring often can be fruitful 10/01/07: Make up lost time with swift, smart action 09/24/07: Balance is key for investing by retirees 09/18/07: Homeowners who wait see options fade 09/04/07: Easy matter to rate fund's performance 08/27/07: Mortgage mess could be good for savers 08/17/07: Small stocks are coming with large caveats © 2007, Chicago Tribune Distributed by McClatchy-Tribune Information Services

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