{"id":224,"date":"2012-09-27T20:53:57","date_gmt":"2012-09-27T20:53:57","guid":{"rendered":"http:\/\/www.apisbull.com\/blog\/?p=224"},"modified":"2012-09-27T20:53:57","modified_gmt":"2012-09-27T20:53:57","slug":"which-investments-will-survive-the-next-economic-crash","status":"publish","type":"post","link":"https:\/\/www.apisbull.com\/blog\/?p=224","title":{"rendered":"Which Investments Will Survive the Next Economic Crash?"},"content":{"rendered":"<div><center><iframe src=\"http:\/\/rcm.amazon.com\/e\/cm?lt1=_blank&#038;bc1=000000&#038;IS2=1&#038;bg1=FFFFFF&#038;fc1=000000&#038;lc1=0000FF&#038;t=apibul-20&#038;o=1&#038;p=8&#038;l=as4&#038;m=amazon&#038;f=ifr&#038;ref=ss_til&#038;asins=B001NZO1DS\" style=\"width:120px;height:240px;\" scrolling=\"no\" marginwidth=\"0\" marginheight=\"0\" frameborder=\"0\"><\/iframe><br \/>\n<\/center><\/div>\n<div><span style=\"font-family: Arial;\">From Tony D:<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><em><span style=\"font-family: Arial;\">I have been conservative over the years and instead of putting my money in equity investments, I have preferred debt instruments. Specifically Municipal Bonds.\u00a0<\/span><\/em><\/div>\n<div><em><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/em><\/div>\n<div><em><span style=\"font-family: Arial;\">Is this considered the same as holding Treasury Bonds (i.e. dollar based asset) or am I safe in the crash with these. If not, then why is it safe in the insurance vehicles used in the \u201cCash Flow Banking System.\u201d They buy similar investments don&#8217;t they?<\/span><\/em><\/div>\n<div><em><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/em><\/div>\n<div><em><span style=\"font-family: Arial;\">Please help me understand and what would you do if you were me.<\/span><\/em><\/div>\n<div><em><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/em><\/div>\n<div><strong><em><span style=\"font-family: Arial;\">Tony D.<\/span><\/em><\/strong><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">In short, are municipal bonds issued by cities and other local governments safe investments?<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">We\u2019ve written about the dangers of municipal bonds before, but&#8230;<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div>\n<div><strong>Let\u2019s Go Straight to the Expert&#8230;<\/strong><\/div>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><em><strong><span style=\"font-family: Arial;\">Investment Expert:\u00a0<\/span><\/strong><span style=\"font-family: Arial;\">\u00a0<\/span><\/em><span style=\"font-family: Arial;\"><em>I completely agree that debt instruments (like bonds) are one of the safest and most conservative investments out there. However, the trade off has always been low yields and now \u2026 government backed debt?\u00a0<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><em><br \/>\n<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><em>Think about it \u2026. in years past it was an easy decision, but the big firms (at least the smart ones) are staying clear of those.\u00a0<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">The big carriers are staying away because municipal bonds, in general, are not safe.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">Since the 2008 crisis, local governments are under extreme stress.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">Many of them are funded through property taxes. And that meant they could spend like crazy when the housing bubble pushed property values through the roof. \u00a0But when the bubble popped, so did their revenue.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">Now debt ridden cities are struggling just to pay their workers, and many have been laid off. \u00a0<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">The mayor of Scranton, PA put all city employees on minimum wage, including policemen and firefighters.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">Earlier this year San Bernadino and Stockton,California joined several high profile municipalities that have filed for bankruptcy in 2012.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">And just last month, Warren Buffet decided to cancel his long-held bet that at least a dozen states would continue to pay their bills on time.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">So, then, what are the alternatives.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><em><span style=\"font-family: Arial;\"><strong>Investment Expert:<\/strong>\u00a0<\/span><\/em><span style=\"font-family: Arial;\"><em>So alternatively, they are doing the same thing we are doing in general. The bonds they invest in are private bonds, which are much more liquid, shorter term, and have higher yields.\u00a0<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><em><br \/>\n<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><em>For example: The secured money lending that (Company name, censored) offers people are in fact a &#8220;bond,&#8221; yet the yields are 8-10%. Since the inception, they have been fully subscribed and have a waiting list to get in.\u00a0<\/em><\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">Private bonds, rather than government bonds, because they tend to be \u201c&#8230;more liquid, shorter term, and have higher yields.\u201d<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">But not just any private bond, right?\u00a0<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><em><span style=\"font-family: Arial;\"><strong>Investment Expert:<\/strong>\u00a0\u00a0<\/span><\/em><strong><span style=\"font-family: Arial;\"><em>The Cash Flow Banking System only uses firms that use the same philosophy. The weapon of choice is a firm that has been around for 182 years, and one of the only ones who was actually profitable during the 2008-2009 crisis. They are smaller at 30 billion in assets, but that&#8217;s what allows them to be nimble and quick to respond to market conditions.\u00a0<\/em><\/span><\/strong><\/div>\n<div><span style=\"font-family: Arial;\"><em><br \/>\n<\/em><\/span><\/div>\n<div><strong><span style=\"font-family: Arial;\"><em>That&#8217;s why the model we use works as well as it does. Safe, high yields, and critical leverage points allowing you to actually MAKE money when you access it rather than it costing you.<\/em><\/span><\/strong><\/div>\n<div><\/div>\n<div>\n<div><\/div>\n<\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div>\n<div><span style=\"font-family: Arial;\">With most investment \u201cnewsletters\u201d and organizations, it still really is \u201cwho you know\u201d that makes you the most money.<\/span><\/div>\n<div><span style=\"font-family: Arial;\"><br \/>\n<\/span><\/div>\n<div><span style=\"font-family: Arial;\">But we\u2019re taking this journey together. \u00a0We introduce you to the people and companies we personally invest with to grow wealth in the post-2008 economy.<\/span><\/div>\n<\/div>\n<div><\/div>\n<div><BR><BR><center><iframe src=\"http:\/\/rcm.amazon.com\/e\/cm?lt1=_blank&#038;bc1=000000&#038;IS2=1&#038;bg1=FFFFFF&#038;fc1=000000&#038;lc1=0000FF&#038;t=apibul-20&#038;o=1&#038;p=8&#038;l=as4&#038;m=amazon&#038;f=ifr&#038;ref=ss_til&#038;asins=B001NZO1DS\" style=\"width:120px;height:240px;\" scrolling=\"no\" marginwidth=\"0\" marginheight=\"0\" frameborder=\"0\"><\/iframe><br \/>\n<\/center><\/div>\n<div><\/div>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>From Tony D: I have been conservative over the years and instead of putting my money in equity investments, I have preferred debt instruments. Specifically Municipal Bonds.\u00a0 Is this considered the same as holding Treasury Bonds (i.e. dollar based asset) or am I safe in the crash with these. If not, then why is it &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.apisbull.com\/blog\/?p=224\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Which Investments Will Survive the Next Economic Crash?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-224","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Which Investments Will Survive the Next Economic Crash? - Apis Bull Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.apisbull.com\/blog\/?p=224\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which Investments Will Survive the Next Economic Crash? - Apis Bull Blog\" \/>\n<meta property=\"og:description\" content=\"From Tony D: I have been conservative over the years and instead of putting my money in equity investments, I have preferred debt instruments. Specifically Municipal Bonds.\u00a0 Is this considered the same as holding Treasury Bonds (i.e. dollar based asset) or am I safe in the crash with these. 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