Some new rules to keep your money safe

1. You may have read that anyone having a claim against Bernard Madoff (the broker who engineered the $50 million Ponzi scheme) had to show proof that they owned his investments. Some people had nothing to show.

We all get statements and assorted paperwork from our investments. We probably give them a quick look over then send them to the shredder. "If I need to look at my investments," we think, "I can always do it online."

But what if your bank or broker goes bye-bye, merges, or has to sell its assets to another company? You may not be able to get to your online records for awhile. You may want proof of your assets.

So, new rule: keep about a one-year's paper copy of all your financial records and statements, particularly transactions.

2. Have you ever heard of Satyam Computer Services? They're one of the largest outsourcing firms in India serving 66 countries and working for Fortune 500 Companies. Last week they admitted their books were cooked and the stock went into free fall. Some analysts thought the company would be shut down by Monday.

What if a foreign outsourcing firm has your financial or other personal information and the company goes into disarray. Think about it: disgruntled employees, massive layoffs, upheavals in supervision. And if a foreigner steals your data, you very well may not be able to sue.

So, new rule: If any call center needs your personal data, ask if you can still complete your business dealings without it. If you want to purchase something from a foreign firm, get a VISA gift card and use that instead of your credit card.

3. Lastly, my favorite charity experienced a 17% increase in need this Christmas over last. You can bet their contributions dropped.

So, new rule: If you're working, please find a charity you believe in, and become it's patron. They need you.