The global economic crisis occur in our time with the regularity and so often that this phrase itself has become customary. Anyway, people who do not play on the stock exchange, are not the owners solid stakes in major companies or owners of commercial banks, less and less afraid of news about the global crisis, arguing that once the crisis "World", then he touches someone out there somewhere, "the world." However, this opinion no more than misleading - modern national economies linked to each another so closely that if one of them "sick" from the dizzy all. And it affects us, ordinary citizens, and our, normal, family budget.

Here and now "sick" the US economy, and shakes and shivering with varying degrees of intensity throughout the world. Russia is no exception, and the problem here is not only stockbrokers and bankers, trouble may touch and the general public. First of all, this applies to those who one way or another related to banking operations. Given that the sly, little by little, but still growing process of registration of mortgages, as well as widely developed consumer loans, the number of Russians, "tied" to the banks, not so little.

In addition, certain increase inflation, which is already clearly does not fit into the government articulated in the early years framework 11, 8% - experts predict performance in the region of 14%. The fact that inflation is not too well understood in our country for all, including people distant from the understanding the mechanisms of functioning of the economy. Already on the rise, albeit slight, for food. A more knowledgeable people fear mass layoffs in large industrial enterprises ... And let all Russia is projected to suffer from the crisis is incomparably less than the United States and the European Union, very good news not wait.

What to do, how to be, to best protect the family budget on the global economic turmoil? If converted into financial plane millennial wisdom, "forewarned is forearmed", the it turns out that the first and perhaps the main condition is stable the correct prediction. So, to begin with a few basic signs, that should make you alert and expect the global financial shocks:

1) political upheaval (a change of government, a sharp change of political and economic policy); 2) a significant (20-30%) increase in volume nevozvraschёnnyh bank loans: this circumstance has provoked the current crisis of the banking system, first in America and then in the world; 3) volatility in stock markets in the first instance the US and the EU - a be sure to have a negative impact on the entire exchange system; 4) external growth government debt and debt of public companies (for the external debts the latter pays in any case the state budget, that is, we with you); 5) a significant reduction in the volume of reserves of the state; 6) sharp lower oil prices and energy (especially important for our country, which is relatively prospering precisely because of high prices for raw materials).

With global problems sorted out, we turn to the problems less ambitious. At a time when we all quietly earn someone less, someone more, we strive to earn and save as much as possible multiply. That this involved many banks and investment funds. However, in times of crisis it is these structures are the most vulnerable, it hurts hits the public. What are the signs of the crisis of the private of a financial institution in which we carried to deposit their blood? Read and learn:

1) If your organization is sharply replaced manual.

2) If the owner changes the financial structure.

3) If zateivaet restructuring of the bank, company or Fund.

4) If the credit rating agency, public or authoritative, independent, greatly reducing the rating of your bank or other structure.

5) If the owner or against the leadership structure a criminal case.

6) If a bank or a fund announces rate of return, exceeding 25% per annum - this is evidence not of well-being, but on the contrary, that the organization has great difficulty with the cash and she seeks to attract them by even very high rates.

Okay, you caught all private and shared moments of crisis and shrewdly withdrew their savings, which in the future should go to pay teaching your children to Harvard, to the dacha on the Black Sea or brand new "Ferrari". And what with the money to do more to prevent conversion from expensive pieces of paper in the paper much cheaper? The answer is simple: they still have to once again somewhere to invest. There are several options:

- The most reliable is the purchase of expensive real estate, better abroad. You understand that to buy an apartment in the Old Arbat or Piccadilly afford not to everyone.

- Securities proven companies. AT Due to the fact that Russia is such that it is very, very little, then again I have seek opportunities for investment abroad.

- Precious metals, ideally in the form special investment coins. Whatever you say, and it is eternal and gold a significant reduction in price does not threaten him.

- And finally, the most affordable way - money transfer the mass of risky currency more reliable. For example, a year ago the US Dollar was risky currencies and the euro very reliable. Now the situation It changed slightly - although the dollar strengthened slightly to own position the mid-1990s it away. But here we must be able to count options: currency rates is a delicate matter, and things can change pretty quickly.

Hopefully, these tips will help you a little bit to understand what to do so in conditions of economic instability to reduce the risk to their family finances to a minimum.

Alexander Babitsky