Today's post is from guest author Jennifer Motian - In today's economy, a lot of people are looking at their expenditures and wondering what they can do to cut back, tighten their belts, and bring down costs. A lot of people are reducing the number of evenings they go out on the town, saving money by staying in. Other people are just buying less - whether it's clothing, toys, or electronics, if it's not totally necessary they are not buying it. Another place people are looking to see if their economic decisions are paying off is at their investments. Is it a good time to buy stock or sell it? Should you put money in the bank or in the stock market? Are you more secure with liquid assets or company shares?