The �perfect storm� of global economic disaster.is now hitting every area of personal finance..Retirement accounts, retiree nest eggs, home.prices, and just about everything else of value are.being swept away in the chaos. You can either.passively try to wait out the storm or take immediate.action to protect yourself, your family, and your future. ..InSafe Money in Tough Times, Jonathan Pond.explains how to stay afloat while the economy.sinks. Employing the practical, commonsense.knowledge and wisdom that has made him one of.America�s most popular personal finance experts,.Pond helps you both weather the storm and position.yourself to profit when the economy inevitably.rebounds. He tackles every area of your financial life that is or will soon be affected by the.Great Recession, from investing defensively and.selecting the safest investments to strategies for.paying insurance and tuition bills when times are.tough. You�ll find easy and practical tactics for . Managing debt. Reducing expenses. Coping with unemployment. Minimizing complications if your.financial institution fails. Protecting your retirement savings. Making informed decisions about.your home and mortgage. Improving your credit standing. Preparing for fi nancial emergencies ..Although he acknowledges the gravity of our.economic situation, Pond takes you past the pessimism.of today�s media commentators and presents.the crisis as a means for educating yourself,.changing bad habits, and eventually enjoying.unexpected profits. WithSafe Money in Tough.Timesyou have what you need to bypass the so-called.experts and develop your own financial.strategy with confidence. ..Complete with checklists and worksheets, this.prescient guide provides everything you need to.take control of your investments, beat the recession,.and develop an all-weather financial and.investment plan that will last a lifetime. . Distributed by Syndetic Solutions, Inc.

Preface	p. vii
Acknowledgements	p. ix
Part I Understanding the Economic crisis
1 WhatÆs Going On in the Economy?	p. 1
2 This Time ItÆs Different, but WeÆre Not Headed for a Depression	p. 7
3 Checklist of Things to Do Now to Get Your Financial Act Together	p. 12
Part II Coping with Tough Economic Times
4 TwelveWinning Strategies to Cope with Tough Times	p. 17
5 Budgeting for Tough Economic Times	p. 24
6 What to Do when Your Expenses Are Increasing Faster than Your Income	p. 29
7 Getting Your Debts under Control	p. 38
8 Forewarned Is Forearmed-Preparing for the Unexpected	p. 43
Part III Investing in Tough Economic Times
9 Investment Strategies for Frightened Investors	p. 57
10 Ten Rules for Investing Successfully in Turbulent Markets	p. 67
11 p. 80
12 Making the Right Bond Investments	p. 86
13 Making the Right Real Estate Investments	p. 94
14 Keeping Safe Money Safe	p. 100
Part IV Tackling Special Situations
15 If You Lose Your Job	p. 107
16 If You Think You Might Lose Your Job	p. 114
17 Evaluating Early-Retirement Incentive Plans	p. 120
18 Finding a Job in Tough Times	p. 128
19 Coping with Debt Problems	p. 133
20 Advice for Homeowners	p. 137
21 Advice for Home Sellers	p. 146
22 Opportunities for Home Buyers	p. 151
23 Getting the Kids through College	p. 157
24 Tips for Worried Preretirees	p. 163
25 Tips for Worried Retirees	p. 171
26 Survival Tactics for Small Business Owners	p. 181
27 The Psychological Side of Money Problems	p. 189
28 Bankruptcy-The Last Resort	p. 192
29 If Inflation Heats Up	p. 195
Part V Planning for a Secure Financial Future
30 ôBeen Down So Long:-Getting Back on Your Feet	p. 199
31 How the New Administration May Affect Your Pocketbook	p. 203
32 Profiting from Prosperity	p. 209
Appendix: Web Sites to Help You in Tough Times	p. 215
Index	p. 225

Distributed by Syndetic Solutions, Inc.