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...small businesses are also more vulnerable than large companies precisely because they work with a light staff - lose two workers to the flu and a shop's workforce can be cut in half for a week or more. And, says Mavity, even if a company had the foresight to buy insurance in the event that a catastrophe disrupted the business, policies are often so narrowly construed that they probably would not offer protection against a flu pandemic...

Author: /time Magazine | Title: Small Businesses Prepare for a Hit from the H1N1 Flu | 10/5/2009 | See Source »

...agreement - think of it as a financial trade - the U.S. would buy an option to require China to lower its emissions below a certain agreed level. At the same time, Beijing would take out what amounts to an insurance policy to establish a minimum amount that Washington would pay Beijing if or when the U.S. exercised its option. The cost of Beijing's insurance policy and the cost to the U.S. of exercising its option on China's emissions levels would be set at roughly the same price...

Author: /time Magazine | Title: Forward Trading Between the U.S. and China | 10/5/2009 | See Source »

...property, to conduct their personal lives as they wish and, of course, to make and spend money. As part of their tacit deal with their government, people consciously agree not to cause trouble, nor to engage in excessive criticism of it.(See pictures of things money can't buy...

Author: /time Magazine | Title: Freedom's Loss | 10/5/2009 | See Source »

...March period. And so - big surprise - investors have poured $240 billion into bond mutual funds so far this year, according to the Investment Company Institute. Stock funds - despite a big rebound in stock prices since March - have taken in less than $15 billion. (See 10 things to buy during the recession...

Author: /time Magazine | Title: Thought Bonds Were Safe? Think Again | 10/5/2009 | See Source »

Before we get into the details, it's worth going over the difference between stocks and bonds. When you buy stock, you get part ownership of a company. If it does well, you share in the gains. If it flounders, you lose money. Bonds, on the other hand, represent a promise from a company or government or other borrower to pay you back, with interest. When you buy a bond, you're making a loan. Sometimes bond issuers (a.k.a. borrowers) renege on their promises. The financial crisis originated with a rash of defaults on subprime mortgages that had been packaged...

Author: /time Magazine | Title: Thought Bonds Were Safe? Think Again | 10/5/2009 | See Source »

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