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HAPPY NEW YEAR ¡¡¡ HAPPY NEW YEAR !!!   My sincere wishes to all my Audience, Partners, and Collaborators in 2010 Fernando Guzmán Cavero FGC BOLSA - FGC FINANCIAL MARKETS Great Article about smart phones, cybercrime,: Vulnerability http://jrsmith.blog.avg.com/2009/12/how-will-smart-phones-and-social-networking-affect-cybercrime.html#axzz0bKHea9SR --- This message was sent by news@financialandforex.info via http://addthis.com . Please note that AddThis does not verify email addresses. Make sharing easier with the AddThis Toolbar: http://www.addthis.com/go/toolbar-em

HAPPY NEW YEAR ¡¡¡ HAPPY NEW YEAR !!!   My sincere wishes to all my Audience, Partners, and Collaborators in 2010 Fernando Guzmán Cavero FGC BOLSA - FGC FINANCIAL MARKETS Financial Institution Letter Federal Deposit Insurance Corporation Office of the Comptroller of the Currency Board of Governors of the Federal Reserve System FIL-076-2009 December 31, 2009 BANK REPORTS TO: CHIEF EXECUTIVE OFFICER SUBJECT: Consolidated Reports of Condition and Income for Fourth Quarter 2009 The attached materials pertain to the Consolidated Reports of Condition and Income (Call Report) for the December 31, 2009, report date. Please plan to complete the preparation, editing, and review of your bank’s Call Report data and the submission of these data to the agencies’ Central Data Repository (CDR) as early as possible. Starting your preparation early will aid you in identify

HAPPY NEW YEAR ¡¡¡ HAPPY NEW YEAR !!!   My sincere wishes to all my Audience, Partners, and Collaborators in 2010 Fernando Guzmán Cavero FGC BOLSA - FGC FINANCIAL MARKETS Features Intelligent Investing Panel Housing In 2010 Christopher Hyzy, Paul Maidment, Bernie McSherry and Carol Pepper discuss the housing sector's outlook in 2010. With Paul Maidment Intelligent Investing Panel Look Outside The U.S. Christopher Hyzy, Paul Maidment, Bernie McSherry and Carol Pepper talk about why investments outside of the U.S. could take off. With Paul Maidment Video: Intelligent Investing With Steve Forbes Intelligent Investing With Steve Forbes 2010 Outlook: Personal Finance Paul Maidment, Forbes editor, discusses personal finance and housing tips for 2010 with Christopher Hyzy, Bernie McSherry and Carol Pepper. A Drought of Banks > Esther Dyson: Tweet Your Fortune >

¡¡¡ HAPPY NEW YEAR !!!   My sincere wishes to all my Audience, Partners, and Collaborators in 2010 Fernando Guzmán Cavero FGC BOLSA - FGC FINANCIAL MARKETS

Personal Finance Daily DECEMBER 30, 2009 Wednesday's Personal Finance stories By MarketWatch   Don't miss these top stories: Emerging markets power international gains For bond investors, daring pays Home appraisal system needs fixing Delaying Medicare may cost you Given that the effects of the financial crisis are still very real and far from over (know anyone who's unemployed?), it's hard to believe how far the stock market has come in the past year. The Dow Jones Industrial Average is up about 61% since its March 9 low, and up about 17% for the year. And the numbers get a lot more eye-popping when you look at international-stock mutual funds -- particularly emerging-markets funds. They're up a whopping 72% in 2009, as MarketWatch's Sam Mamudi notes in his story today, part of our Mutual Funds Review and Outlook. But before you get too excited, keep in mind that those gains do not yet pull internat

GATA sues Fed to disclose gold market intervention records Submitted by cpowell on 10:33AM ET Wednesday, December 30, 2009. Section: Daily Dispatches 2p ET Wednesday, December 30, 2009 Dear Friend of GATA and Gold: GATA today brought suit against the U.S. Federal Reserve Board, seeking a court order for disclosure of the central bank's records of its surreptitious market intervention to suppress the monetary metal's price. The suit was filed in U.S. District Court for the District of Columbia and targets Fed records involving gold swaps, exchanges of gold with foreign financial institutions. In a letter dated September 17 this year to GATA's law firm, William J. Olson P.C. of Vienna, Virginia, ( http://www.lawandfreedom.com ) Fed Board of Governors member Kevin M. Warsh acknowledged that the Fed has gold swap agreements with foreign banks but insisted that such documents remain secret: http://www.gata.org/files/GATAFedResponse-09-17-2009.pdf The

We did it! This week we look at what is arguably the greatest social change of our times. Within the next few months women will cross the 50% threshold and become the majority of the American workforce. Women already make up most of the university graduates in OECD countries and most professional workers in several rich countries. And they are gaining ground quickly as companies adapt. Our cover leader celebrates this quiet revolution in the rich world, but also looks at the challenges that come with it, especially the growing problems to do with child care for the poor. Here are some other pieces from this week's issue you might also be interested in. You can click straight through to each one and read it at The Economist online using the links below. This week's highlights Waziristan, the last frontier A journey into the headquarters of Islamist terror Read more Japan's two lost decades An economic tragedy. But the country

FORBES.COM E-COMMERCE NEWSLETTER DECEMBER 30, 2009 Google Conquers Time Quentin Hardy Real-time search, translation, location--everywhere? Murdoch 1, Google 0 Oliver J. Chiang The Internet giant released new tools that give news publishers more control over the search engine. Digg Bets Big On A New API Taylor Buley The social media company aims to make developing for its platform easier. The Pirate Bay's Heir Apparent Andy Greenberg As the world's biggest file-sharing sites clean up or shut down, all eyes are on Isohunt. King of Pop Tops Search Engines Oliver J. Chiang Michael Jackson was the most-searched phrase in 2009. Forbes Magazine Special Offer! Forbes.com Newsletter readers receive a Free Trial Issue of Forbes... no risk... no obligation! If you decide to subscribe to Forbes, you can do so at special introductory savings, and get 25 more issues - 26 in all - for just $1.15 a copy. You save 77% off the $4.99 newsstand price.

The world this week Dec 30th 2009 From The Economist print edition Turmoil in Iran increased after security forces fired on anti-government demonstrators in several cities. State television said that eight people had died, including a nephew of last June’s thwarted presidential candidate, Mir Hosein Mousavi. More than a thousand people were reportedly arrested, including a former foreign minister. Divisions in the ruling clerical establishment deepened. See article Barack Obama ordered an investigation into why America’s security apparatus failed to stop a man from boarding a jet in Amsterdam, which he then allegedly tried to blow up as it made its final approach to Detroit on Christmas Day. Umar Farouk Abdulmutallab was overpowered by fellow passengers after he attempted to detonate explosives on the plane, causing a fire. An al-Qaeda-affiliated group in Yemen claimed responsibility. See article At least 38 people died in clashes between the police and members of a