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...Danner, executive vice president of the National Federation of Independent Business, says most of his 350,000 members are "some combination of nervous, scared, in the trenches. At the moment, credit is not a problem only because they're in survivor mode, waiting to see if they're going to have customers tomorrow." David Guernsey, who owns an office-products firm in Chantilly, Va., knows the feeling. While less expensive items are selling, purchases of office furniture that are normally bank-financed are lagging. Customers are telling his sales staff, "We just need to circle the wagons and wait this...

Author: /time Magazine | Title: The Big Bank Bailout: Are You Next? | 10/16/2008 | See Source »

...watch the show. Two graduated from high school a year early. One was voting early so she "would be able to avoid crowds and take my time and read all the propositions carefully." These people were making such well-informed decisions that none of them said they were nervous that something would happen before the election to make them regret their vote. "Obama would have to eat a baby onstage with condiments and not wash his hands after," one told me. Another thought about my question for a minute and said, "Nothing could happen that I couldn't rationalize...

Author: /time Magazine | Title: My Own Election Exit Poll | 10/16/2008 | See Source »

...back their loans. The funds typically borrow money to buy stocks or bet against them in order to increase their returns. Hedge funds were then forced to sell their positions, often at a loss, in order to pay back what was owed. What's more, many investors began getting nervous and pulling their money out of the funds. Those redemptions have forced managers to sell as well...

Author: /time Magazine | Title: Hedge Funds: How the Smart Money Looked Dumb | 10/15/2008 | See Source »

...order to deal with nervous investors and the unpredictable markets, many hedge funds have recently gotten a lot more conservative. David Kostin, an analyst at Goldman Sachs, estimates that hedge funds have moved as much as $400 billion of their assets into cash. Cohen's SAC Capital, which is down 9% this year, has reportedly put half its fund, or $7 billion, in cash. The move to cash makes sense, says Gradante, for the current market. But it may hurt funds over the long haul. "If stocks rebound rapidly, like they did on Monday," says Gradante, "these funds will continue...

Author: /time Magazine | Title: Hedge Funds: How the Smart Money Looked Dumb | 10/15/2008 | See Source »

Figuring out exactly what's happening and then reacting accordingly falls to the European Central Bank and its president, Jean-Claude Trichet. The bank has been nervous about inflation all year, but earlier this month it slashed its lending rates by 0.5% to 3.75% as part of a coordinated rate cut by the world's biggest central banks. Riches-Flores expects the bank to cut rates further in the near future as the economy slows. At the weekend, the E.U.'s Commissioner for Economic and Monetary Affairs, Joaquín Almunia, even called for monetary easing "in the near term...

Author: /time Magazine | Title: The Economy's Perilous Waters | 10/15/2008 | See Source »

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