8.John Griffing, “Monckton: Push Reset on the Dollar,” WND, September 28, 2013, http://www.wnd.com/2013/09/monckton-push-reset-on-dollar/.
9.Catherine Rampell, “As Low Rates Depress Savers, Governments Reap Benefits,” New York Times, September 10, 2012, http://www.nytimes.com/2012/09/11/business/as-low-rates-depress-savers-governments-reap-the-benefits.html.
10.John Matarese, “New Bank IRA Fees Eating into Savings,” WCPO.com, July 7, 2011, http://www.wcpo.com/dpp/money/consumer/dont_waste_your_money/new-bank-ira-fees-eating-into-savings-.
11.Pallavi Gogoi, “Bank Fees Quietly Coming Back Even after Backlash” (AP), Huffington Post, March 1, 2012, http://www.huffingtonpost.com/2012/03/02/bank-fees_n_1315828.html.
12.Peter Rudegeair and Carrick Mollenkamp, “Analysis: U.S. Banks Get Ready for the Day When Deposits Shrink,” Reuters, October 7, 2013, http://www.reuters.com/article/2013/10/07/us-banks-deposits-analysis-idUSBRE9960C220131007.
13.Marcie Geffner, “FDIC Insures Bank Deposits to $250,000,” Bankrate.com, accessed September 2013, http://www.bankrate.com/finance/savings/fdic-insures-bank-deposits-to-250-000-1.aspx.
14.Jesse Hamilton, “FDIC Says Deposit Insurance Fund Should Recover by Late 2018,” Bloomberg.com, April 23, 2012, http://www.bloomberg.com/news/2012-04-23/fdic-says-deposit-insurance-fund-recovery-expected-by-late-2018.html.
15.U.S. Government Accountability Office, “Financial Audit: Federal Deposit Insurance Corporation Funds’ 2012 and 2011 Financial Statements,” February 2013, http://www.gao.gov/assets/660/652263.pdf.
16.E. Scott Reckard, “In Major Policy Shift, Scores of FDIC Settlements Go Unannounced,” Los Angeles Times, March 11, 2013, http://articles.latimes.com/2013/mar/11/business/la-fi-fdic-settlements-20130311.
17.John Glover, “U.S. May Join 1933 Germany in Pantheon of Deadbeat Defaults,” Bloomberg.com, October 14, 2013, http://www.bloomberg.com/news/2013-10-13/u-s-risks-joining-1933-germany-in-pantheon-of-deadbeat-defaults.html.
18.Claes Bell, “Hackers Empty $900K Bank Account,” BankRate.com, February 25, 2013, http://www.bankrate.com/financing/banking/hackers-empty-900k-bank-account/#ixzz2aC8RLd6g.
19.“Could Bank Hackers Steal Your Money?,” Bankrate.com, May 11, 2010, http://www.bankrate.com/system/util/print.aspx?p=/finance/savings/could-bank-hackers-steal-your-money-1.aspx&s=br3&c=checking&t=story&e=1&v=1.
20.“DARPA Director Speaks of Offensive Capabilities in Cyber Security,” Cybersecurity at the University of Texas at Dallas, March 21, 2012, http://cybersecurityutdallas.wordpress.com/category/uncategorized/page/2/.
21.Dave Moore, “Who Pays When Your Bank Account Is Hacked?,” NormanTranscript.com, July 15, 2012, http://normantranscript.com/x1301512034/Who-pays-when-your-bank-account-is-hacked.
22.Nick Squires, “Cypriot Authorities Confirm Raid on Big Depositors,” Telegraph (UK), March 29, 2013, http://www.telegraph.co.uk/finance/financialcrisis/9962244/Cypriot-authorities-confirm-raid-on-big-depositors.html.
23.Neil Collins, “Cyprus Confiscation Could Happen in UK,” Financial Times, March 22, 2013, http://www.ft.com/intl/cms/s/0/534b2eaa-92e9-11e2-b3be-00144feabdc0.html.
24.Governor Jeremy C. Stein, “Regulating Large Financial Institutions,” speech at the Rethinking Macro Policy II Conference, sponsored by the International Monetary Fund, April 17, 2013, transcript, Board of Governors of the Federal Reserve, http://www.federalreserve.gov/newsevents/speech/stein20130417a.htm.
25.Federal Deposit Insurance Corporation and the Bank of England, “Resolving Globally Active, Systemically Important, Financial Institutions,” Federal Deposit Insurance Corporation, December 10, 2012, http://www.fdic.gov/about/srac/2012/gsifi.pdf.
26.Peter J. Wallison, “Dodd-Frank’s Liquidation Plan Is Worse Than Bankruptcy,” Bloomberg.com, June 11, 2012, http://www.bloomberg.com/news/2012-06-11/dodd-frank-s-liquidation-plan-is-worse-than-bankruptcy.html.
27.Jerome Corsi, “Yes, Feds Can Take Your Deposits,” WND, October 8, 2013, http://www.wnd.com/2013/10/yes-feds-can-take-your-deposits/.
28.Andrey Ostroukh, “Russia to Grab Pension Money, Temporarily,” Wall Street Journal, October 3, 2013, http://blogs.wsj.com/emergingeurope/2013/10/03/russia-to-grab-pension-money-temporarily.
29.Alanna Petroff, “Europe Bank Rescue Plan Would Hit Investors,” CNN Money, CNN.com, June 27, 2013, http://money.cnn.com/2013/06/27/news/world/eu-bank-rescue/index.html?iid=HP_River.
30.Rex Nutting, “Money-Market Funds Are a Most Dangerous Investment,” MarketWatch, Wall Street Journal, March 29, 2013 http://www.marketwatch.com/story/money-market-funds-are-a-most-dangerous-investment-2013-03-29.
31.Justin Pritchard, “Money Market Funds—Risks and Benefits: How Money Markets Work,” About.com, accessed September 2013, http://banking.about.com/od/investments/a/moneymarketfund.htm.
32.Robert Lenzner, “There Could Still Be Runs on Money Market Funds,” Forbes, Forbes.com, April 20, 2013, http://www.forbes.com/sites/robertlenzner/2013/04/20/there-could-still-be-runs-on-the-money-market-funds/.
33.Arthur Brice, “Iran, Hezbollah Mine Latin America for Revenue, Recruits, Analysts Say,” CNN.com, June 3, 2013, http://www.cnn.com/2013/06/03/world/americas/iran-latin-america/.
34.“Hyperinflation,” Prime Values, September 8, 2012, updated August 14, 2013, http://www.primevalues.org/investors-guide/hyperinflation.htm#.UlwPlhYfD9E.
CHAPTER NINE
1.“Introduction to Annuities: The History of Annuities,” Investopedia, accessed September 2013, http://www.investopedia.com/university/annuities/.
2.“Annuities Made Simple,” InsureYourHealthNow, 2013, http://www.insureyourhealthnow.com/annuities_madesimple.htm.
3.“What Are the Different Types of Annuities?,” Annuity FYI, updated July 22, 2013, http://www.annuityfyi.com/types-of-annuities.html.
4.“Variable Annuities: What You Should Know,” U.S. Securities and Exchange Commission, updated April 18, 2011, http://www.sec.gov/investor/pubs/varannty.htm.
5.Ibid.
6.“Explaining Types Of Fixed Annuities,” Investopedia, February 23, 2011, http://www.investopedia.com/articles/retirement/05/071205.asp.
7.“Equity-Indexed Annuities—A Complex Choice,” FINRA, September 13, 2010, http://www.finra.org/investors/protectyourself/investoralerts/annuitiesandinsurance/p010614; and Stan Hathcock, “Behind the Indexed Annuity Curtain,” MarketWatch, Wall Street Journal, January 5, 2013, http://www.marketwatch.com/story/behind-the-indexed-annuity-curtain-2013-01-14?pagenumber=1.
8.Keith Dennis, “What Are Bonus Annuities?” About.com, accessed September 2013, http://annuities.about.com/od/annuityquestions/a/What-Are-Bonus-Annuities.htm.; and “Index Annuities Are a Safety Trap,” Money Magazine Investor’s Guide 2011, CNN Money, CNN.com, January 17, 2011, http://money.cnn.com/2011/01/17/pf/index_annuities_safety_trap.moneymag/index.htm.
9.“Variable Annuities: Beyond the Hard Sell,” FINRA Investors, August 31, 2009, http://www.finra.org/investors/protectyourself/investoralerts/annuitiesandinsurance/p005976.
10.InvestorGuideStaff, “Annuities as an Investment For Retirement,” InvestorGuide, January 25, 2013, http://www.investorguide.com/article/11702/annuities-as-an-investment-for-retirement-igu/.
11.“Annuities Made Simple.”
12.Shelby J. Smith, “Are Annuities Offered by Insurance Companies Safe?,” Retirement Planning Blog, November 11, 2008, http://www.theretirementpros.com/blog/2008/11/are-annuities-offered-by-insurance-companies-safe/.
13.“Guaranteed Investment Contracts,” Financial Web, accessed September 2013, http://web.finweb.com/investing/guaranteed-investment-contracts.html#axzz2bhxO9JBQ.
14.Encyclopedia of Business, 2nd ed., s.v., “Guaranteed Investment Contract,” by Anandi P. Sahu, http://www.referenceforbusiness.com/encyclopedia/Gov-Inc/Guaranteed-Investment-Contract-GIC.html#b.
15.Ibid.
16.Ibid.
17.Steve Vernon, “What Happens If Your Insurance Company Fails,” CBS News, February 9, 2012, http://www.cbsnews.com/8301-505146_162-57373586/what-ha
ppens-if-your-insurance-company-fails/. The figure for insurance company failures represents institutions with which the National Organization of Life and Health Insurance Guaranty Associations was involved.
18.“How Can I Assess the Financial Strength of an Insurance Company?,” Insurance Information Institute, accessed September 2013, http://www.iii.org/individuals/life/buying/strength/.
19.“The Pros and Cons of Annuities,” YourInvestmentAdvise.com, accessed September 2013, http://www.yourinvestmentadvise.com/annuity2.html.
20.Jack Marrion, Geoffrey Vanderpal, and David Babbel, “Real World Index Annuity Returns,” Wharton Financial Institutions Center, December 27, 2010, http://annuity123.com/Portals/1/whitepapers/F_Wharton%20Financial%20Real%20World%20Index%20Annuity%20Returns.pdf.
CHAPTER TEN
1.“Alternative Investments—Redefining Diversification,” BlackRock, Inc., accessed September 2013, http://www2.blackrock.com/us/individual-investors/products-performance/alternative-investments.
2.Barry Ritholtz, “A Hedge Fund for You and Me? The Best Move Is to Take a Pass,” Washington Post, May 24, 2013, http://articles.washingtonpost.com/2013-05-24/business/39489985_1_hedge-funds-private-investment-partnerships-investors.
3.Investopedia, s.v. “Alpha,” accessed September 2013, http://www.investopedia.com/terms/a/alpha.asp.
4.Sheelah Kolhatkar, “Hedge Funds Are for Suckers,” Businessweek.com, July 11, 2013, http://www.businessweek.com/articles/2013-07-11/why-hedge-funds-glory-days-may-be-gone-for-good.
5.Geri Terzo, “What Are Net Worth Requirements for a Hedge Fund?,” The Motley Fool, http://wiki.fool.com/What_Are_Net_Worth_Requirements_for_a_Hedge_Fund%3F.
6.Ritholtz, “A Hedge Hund for You and Me?”
7.“Rich Managers, Poor Clients,” Economist, December 22, 2012, http://www.economist.com/news/leaders/21568740-investors-have-paid-too-much-hedge-fund-expertise-better-focus-low-costs-star.
8.Ritholtz, “A Hedge Hund for You and Me?”
9.Ibid.
10.Nathan Vardi, “The World’s Richest Billionaire Hedge Fund Managers and Traders,” Forbes, Forbes.com, March 4, 2013, http://www.forbes.com/sites/nathanvardi/2013/03/04/the-worlds-richest-billionaire-hedge-fund-managers-and-traders/.
11.“Going Nowhere Fast,” Economist, December 22, 2012, http://www.economist.com/news/finance-and-economics/21568741-hedge-funds-have-had-another-lousy-year-cap-disappointing-decade-going.
12.Ritholtz, “A Hedge Hund for You and Me?”
13.Kolhatkar, “Hedge Funds Are for Suckers.”
14.Robert Lenzner, “Bernie Madoff’s $50 Billion Ponzi Scheme,” Forbes, Forbes.com, December 12, 2008, http://www.forbes.com/2008/12/12/madoff-ponzi-hedge-pf-ii-in_rl_1212croesus_inl.html.
15.“Did Bernie Madoff Run a Hedge Fund?,” StreetID, October 9, 2012, http://streetid.com/newsblog/?p=2371.
16.“Hedge Fund Founder Raj Rajaratnam Sentenced in Manhattan Federal Court to 11 Years in Prison for Insider Trading Crimes,” press release, Federal Bureau of Investigation, October 13, 2011, http://www.fbi.gov/newyork/press-releases/2011/hedge-fund-founder-raj-rajaratnam-sentenced-in-manhattan-federal-court-to-11-years-in-prison-for-insider-trading-crimes.
17.Matthew Goldstein, “Steven Cohen Throws a Party despite his Fund’s Indictment,” Reuters, July 28, 2013, http://www.reuters.com/article/2013/07/28/us-sac-fund-party-idUSBRE96R0BQ20130728.
18.Lynn Stout, “How Hedge Funds Create Criminals,” Harvard Business Review Blog Network, December 13, 2010, http://blogs.hbr.org/cs/2010/12/how_hedge_funds_create_crimina.html.
19.“Brutal Gingrich Ad Ties Romney to Soros,” FoxNews.com, February 6, 2012, http://nation.foxnews.com/newt-gingrich/2012/02/06/brutal-gingrich-ad-ties-romney-soros.
20.“Insider Trading Conviction of Soros Is Upheld,” New York Times, June 14, 2006, http://www.nytimes.com/2006/06/14/business/worldbusiness/14iht-soros.1974397.html?_r=0.
21.Joanna Slater, “When Hedge Funds Meet Islamic Finance,” Wall Street Journal, August 9, 2007, http://online.wsj.com/article/SB118661926443492441.html.
22.Larry Summers, “Sovereign Wealth Funds Should Agree to Standards to Allay fears,” New Perspectives Quarterly, January 25, 2008, http://www.digitalnpq.org/articles/economic/238/01-25-2008/larry_summers.
23.Eric Uhlfelder, “Best 100 Hedge Funds,” Barron’s, Barrons.com, May 18, 2013, http://online.barrons.com/article/SB50001424052748704253204578469283806191260.html#articleTabs_article%3D0.
24.Tim McLaughlin, “Blackstone and Fidelity Offer Hedge Fund Taste to Retail Crowd,” Reuters, August 13, 2013, http://www.reuters.com/article/2013/08/13/uk-blackstone-fidelity-hedgefunds-idUSLNE97C00820130813.
25.Daniel Solin, “Why Hedge Funds for Retail Investors Are a Bad Idea,” U.S. News & World Report, August 22, 2013, http://money.usnews.com/money/blogs/On-Retirement/2013/08/22/why-hedge-funds-for-retail-investors-are-a-bad-idea.
26.Investopedia, s.v. “Financial Asset,” accessed September 2013, http://www.investopedia.com/terms/f/financialasset.asp.
27.Tony Romm “Facebook Goes Public,” Politico.com, May 18, 2012, http://www.politico.com/news/stories/0512/76485.html.
28.Dan Primack, “Facebook’s Pre-IPO Pricing History,” CNN Money, CNN.com, May 18, 2012, http://finance.fortune.cnn.com/2012/05/18/facebooks-pre-ipo-pricing-history/.
29.Paul Sullivan, “Lights. Camera. Invest! Putting Filmmaking in the Portfolio,” New York Times, April 27, 2012, http://www.nytimes.com/2012/04/28/your-money/filmmaking-as-an-alternative-investment.html?pagewanted=all.
30.Sullivan, “Investing in a Racehorse without Breaking the Bank,” New York Times, May 4, 2012, http://www.nytimes.com/2012/05/05/your-money/investing-in-a-racehorse-with-out-losing-your-shirt.html?pagewanted=all.
31.“Own a Race Team—How to Buy a Nascar Team,” Athlete Promotions, accessed September 2013, http://www.athletepromotions.com/own-a-nascar-team.php.
32.Glenn E. Morrical, Jennifer W. Berlin, and Robert M. Loesch, “Finder’s Fees: Folklore and Fact on Regulation,” VCExperts, https://vcexperts.com/buzz_articles/1275.
33.“Finder’s Fee Agreements,” Private Equity 101, February 20, 2010, http://www.privateequity101.com/2010/02/finders-fee-agreements.html; and “What Are Going Rates for Finder’s Fees?,” Answers on Startups, accessed September 2013, http://answers.onstartups.com/questions/3844/what-are-going-rates-for-finders-fee.
34.Constance Gustke, “Six Alternative Investments for Fat Returns,” FoxBusiness.com, December 1, 2011, http://www.foxbusiness.com/personal-finance/2011/12/01/six-alternative-investments-for-fat-returns/.
35.Casey W. Riggs, “Stock Options versus Stock Warrants—What’s the Difference?,” Strictly Business Law Blog, November 2, 2012, http://www.strictlybusinesslawblog.com/2012/11/02/stock-options-versus-stock-warrants-whats-the-difference/.
36.“What Is Convertible Debt?,” WiseGeek, accessed September 2013, http://www.wisegeek.com/what-is-convertible-debt.htm.
37.Asheesh Advani, “Raising Money Using Convertible Debt,” Entrepreneur, May 14, 2006, http://www.entrepreneur.com/article/159520.
38.Constance Gustke, “6 Alternative Investments for Fat Returns,” Bankrate.com, http://www.bankrate.com/finance/investing/alternative-investments-fat-returns-1.aspx#ixzz2dTpmSQI2.
39.Clark, Josh, “How Microlending Works,” How Stuff Works, August 18, 2009, http://www.howstuffworks.com/microlending.htm.
40.Gustke, “Alternative Investments for Fat Returns.”
41.Tamara E. Holmes, “Now Is a Great Time to Invest in a Rental,” Bankrate.com, MSN Real Estate, accessed September 2013, http://realestate.msn.com/article.aspx?cp-documentid=23972039.
42.“The Investor’s Guide to REITs,” National Association of Real Estate Investment Trusts, 2011, http://www.reit.com/~/media/PDFs/UpdatedInvestorsGuideToREITs.ashx.
43.“Direct Real Estate Investment vs REITs,” My Financial Independence Journey, June 5, 2013, http://myfijourney.com/2013/06/05/direct-real-estate-investment-vs-reits/.
44.Brandon Turner, “Inves
ting in Rental Property,” The Bigger Pockets Blog, April 23, 2013, http://www.biggerpockets.com/renewsblog/2013/04/23/investing-in-rental-property/.
45.Tara Siegel Bernard, “Rental Investment May Seem Safer Than It Really Is,” New York Times, March 29, 2013, http://www.nytimes.com/2013/03/30/your-money/investing-in-a-rental-home-isnt-as-safe-as-it-may-seem.html?pagewanted=all.
46.Pat Curry, “Investing in Gems for Fun and Profit,” Bankrate.com, accessed September 2013, http://www.bankrate.com/brm/news/investing/20031103a1.asp.
47.Aimee Picchi, “Diamonds: Investors’ Best Friends?,” MSN Money, accessed September 2013, http://money.msn.com/exchange-traded-fund/diamonds-investors-best-friends.
48.Travillian, Andreas, “Know These 8 Rules before Investing in Diamonds and Gems,” Yahoo Finance, April 30, 2013, http://finance.yahoo.com/news/know-8-rules-investing-diamonds-150648931.html.
49.“How to Buy Futures,” MarketWatch, Wall Street Journal, accessed September 2013, http://www.marketwatch.com/getting-started/futures.
50.“Investing in Futures and Commodities,” Wells Fargo Advisors, https://www.wellsfargoadvisors.com/financial-services/investment-products/futures-commodities.htm; and Amer Keefer, “How to Invest in Futures,” The Nest, http://budgeting.thenest.com/invest-futures-3690.html.
51.Ibid.
52.See the Global Food Exchange website at http://globalfoodexchange.org.
53.International Food Security Source, “Global Food Exchange and IFS Fund Announces Its Founders Will Be Presenting at the Accredited Members Spring Micro Cap Investor Conference in Las Vegas,” press release, Market Wired, February 19, 2013, http://www.marketwire.com/press-release/global-food-exchange-ifs-fund-announces-its-founders-will-be-presenting-accredited-members-1758749.htm.
54.“Overview,” Commodity HQ, accessed September 2013, http://commodityhq.com/com-modity/industrial-metals/.
55.Carl Delfeld, “Investing in Rare Earth Metals,” Investment U, May 31, 2012, http://www.investmentu.com/2012/May/rare-earth-metals-investing.html.
56.Tim Worstall, “Investing in Rare Earth Metals: Don’t Do It!” Forbes, Forbes.com, May 3, 2012, http://www.forbes.com/sites/timworstall/2012/05/03/investing-in-rare-earth-metals-dont-do-it/.
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