Stable-value funds can be a good, safe place to park cash where you will get something better than a money market and less than an intermediate bond fund.

The early adopters will be basically be protecting high-value places. Places where you would need to know there are no guns or bombs coming into the facilities.

How does it make sense to say that you're protecting capital of $10,000 by giving $500 to a salesman who in five years promises you $9,500? You don't get your money back; you get what is invested back.

In the highly tradable sectors you have seen a lot of convergence in how stocks perform by sector. The classic example is Nokia, Ericsson and Motorola. They all suffer and boom together.

At some point if the share price doesn't recognize the company's value, they will have an obligation to shareholders to sell it in parts or all of it.

You'll see very shortly a plan to generate a currency that can generate that value for Ford shareholders.