Do you feel as though your personal finances are taking a dangerous roller-coaster ride? Well, in these current days of economic uncertainty and instability in the U.S. and throughout the world, it's difficult to know how much, and in what to invest. In reality, what truly is the best way to invest money? Should you hold on tightly to investments you now hold? Or, should you try to sell that vacation cottage at the beach -- the one advertised as a sure and safe real estate investment just two summers ago? Should you keep those U.S. Treasury and municipal bonds that you always thought were such a secure way of saving and investing after those first few years of success at your first job? And how about your annuities and retirement fund -- are pension funds doomed to disintegrate and disappear as stocks plummet and major corporations close their doors?

In times of economic uncertainty and even crisis, the best way to invest money is carefully and safely. As the old adage goes, "Don't put all your eggs in one basket -- don't spend all your money in one place." Stay informed on the current state of, and daily changes in the economy. Watch for even slight devaluations in your current investments. And be sure to consult at least one financial expert who is familiar with your current portfolio or with your favored methods of investing. Avoid making hasty or impulsive changes to the investment tools and amounts you now hold, but don't be afraid of making a well-advised change just because you've held that certain stock for a long time and always considered it a rising star in the market. Remember, yesterday's rising star might prove to be today's falling meteorite. -- But, don't get discouraged. When investing, there's always a different path you can travel -- another stock or bond or enterprise in which you can invest for profit.

For, today's economy is a worldwide entity. The economic progress, stability and state of every country is affected in some way, and to some degree, by worldwide economic trends, profits and losses. Fundamental elements such as major news events and politics also affect world markets and the markets of individual countries directly. As you know, central banks in many countries regulate rates and flow of imports and exports whenever they determine doing so will benefit their countries' economies. So, in general, you'll find that having a well-informed picture of the world's current financial, political and economic movements will help you understand your own country's investing position and status, showing you the best way to invest money in today's market for your future benefit.

And, what percentages of your hard-earned money should you place in which investment tools and forms? Well, a generally accepted and simple investment method is to first subtract your current age from 100. If your age is greater than the resulting number, invest the percentage of your money equal to your age in liquid or easily accessible investments (CDs, savings and money market accounts). Then, place the smaller percentage in less liquid or accessible assets (stocks, bonds, property, trusts). -- (For example, if you are now 60 years of age, put 60% of your money in liquid assets, and 40% in less accessible ones.) Your IRA, 401k or pension fund should remain untouched -- except of additions or deposits -- until you retire.

And always remember, the best way to invest money is sensibly, carefully and with a mixture of know-how and savvy that will make your money work for you and your future security.