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DTS8 Coffee Company Ltd. Reaches New 52-Week High
Shares of DTS8 Coffee Company Ltd. hit a new 52-week High today, currently trading at $0.431 on volume of 13,500 shares. In the past 52 weeks, DTS8 Coffee Company Ltd. has traded between a low of $0.07 and a high of $0.42 and is now trading 516% above that low.

Bank Stocks Still Cheap?
The bank stocks look quite attractive now for a number of reasons. The recovery in the economy in general and the real estate market in particular have significantly reduced non-performing loans at most banks.

Beyond Average Length of Bull Market
While we are now beyond the average length bull market (5 years), the lack of froth in the economic figures could well lead to a longer bull market this go round.

Chicago Bridge and Iron:
Further Weakness Could Be a Long-Term Buying Opportunity

CBI continues to be hammered by a particular short seller’s report. The contention of the short-seller is the recent Shaw merger. Most mergers eventually cause a write-off of goodwill, or the premium of the valuation of assets purchased.

Featured Articles Inside This Issue:

5 Stocks to Buy In A Volatile Market – One of the best performers so far this year is Larry Robbins’ Glenview Capital Management, a privately owned hedge fund. Robbins also happens to be the best fund manager of 2013, according to Forbes. Robbins highlights five new stocks he’s buying for the second half of the year.

Are You Ready for the Great Depression of 2030? Authors and economists Brian and Alan Beaulieu insist that current government spending patterns, in light of our nation’s demographic trends, are unsustainable. They explain why and identify the winners and losers of the coming economic catastrophe. Tips on how you can not only survive but thrive during the coming Great Depression.

Henning: The Musings of a Stock Market Curmudgeon ­­– The panicked Bilderboyz are not happy campers as their Russian Frankenstein monster that they financed and created a century ago is not playing ball and giving up the Ukraine’s energy and farmland assets. One diplomatic stooge complained that Russia was not playing by the One-World-Order rules. Do tell. The Sheiks of Araby aren’t playing ball either. If the Bilderboyz get too pushy, all that the Russians have to do is call their broker and say, “Sell more bonds.” This will bust the hollow-shelled central banks and their flunky stooge governments. Bye Bye central banks. Bye Bye One-World-Order.

China’s Market Finally Looks Like A Buy – China's market has been in a 5-year long bear market on concerns its economy was headed for a hard landing. There is evidence the reform and stimulus efforts of China's government is having a positive effect in stabilizing the situation. Meanwhile, the IMF forecasts China's 2014 economic growth will slow to 7.4%, while it is forecasting U.S. growth to slow to 1.7%.

Dividends Every Month – Dividend and income investing expert, Chuck Carlson, DRIP Investor, explains how to develop a portfolio ­– based on “Dividend Aristocrats” – that pays you each month of the year. You can purchase these high quality conservative positions directly through the company’s direct purchase reinvestment plan.

Bull & Bear’s Digest of Investment Newsletters ­– Unbiased investment advice from the world’s top-performing market timers. Investment pros give their Top Stock Picks of the Month, Sectors to play now for maximum gains in the second half, Trading Strategies, Gold and Silver Trends, Oil & Gas, Insightful Viewpoints on Domestic and International stock markets.

Bull & Bear Featured Company:
Barkerville Gold Mines Enters New Phase
as a Gold Producer in British Columbia

Barkerville Gold Mines Ltd. is focused on exploration and development of gold projects in the Cariboo Mining District in central B.C. The company’s mineral tenures cover 1,164 km2 along a strike length of 60 km and approximate width of 20 km, including the Cariboo Gold Project, the Bonanza Ledge Gold Project, the Barkervile Mountain and Island Mountain exploration targets and seven past producing hard rock mines. READ MORE...

Bull & Bear Featured Company:
DTS8 Coffee – Shanghai’s Gourmet Coffee
Roaster of Choice for Good “Cuppa” Coffee

DTS8 Coffee Company Ltd is a purveyor of fresh, artisan roasted, gourmet coffee. DTS8 imports, roasts, markets and sells superior quality Arabica coffee in Shanghai and other parts of China. DTS8, a gourmet coffee roaster, is strategically positioned to participate in the growing Chinese coffee market, considered as one...READ MORE

Bull & Bear's

Industry Studies on Oil, Silver ­– Investor and Industrial Usage, Gold Trends and Seasonality. Top Stock Picks by top-performing investment newsletter editors, analysts, and money managers in the resource sector.

Featured Articles Inside This Issue:
Why Triple Digit Oil Is the ‘New Normal’. Last month, the five-year rolling average price of Brent crude topped $100 a barrel for the first time ever. Credit Suisse energy commodity analyst Jan Stuart doesn’t think another reprieve is in the cards as was the case in 2008 when crude hit nearly $150 in the summer only to have it drop back down to below $50 in November of that same year. He calls the current price level “a new normal.”
Gold: Comedy of Errors. The mining industry is dealing with a number of cross-currents, such as capital; nationalism in foreign jurisdictions; rising costs and declining reserves, we believe that the risk reward parameters are finally favorable. The bell is ringing for gold stocks.
Fewer New Discoveries, Slower Development Weigh on Gold Industry. The number of major discoveries (any deposit with a minimum of 2 million oz of contained gold) have been trending downward over time. The length of time from discovery to production is trending higher.
Strong Investor Interest and Industrial Usage Lead to Sturdy Silver Demand in 2014. Building on an impressive 2013, investors continued to boost silver holdings in the first half of 2014. Industrial demand is strong.
8 Major Miners Bull Market Peaks from 1957.
Ian McAvity, publisher of Deliberations on World Markets in a special Update includes a chart showing five phases since 1957 of the relative behavior of Gold Miners share prices relative to the Gold price. He points out the majors are finally back down to historic under-valuation levels vis-à-vis the Metal not seen since the 1975/82 period.
The Resource Investor’s Investment Newsletter Digest. Featuring the most diversified and largest digest of investment advisory newsletters being published today in both print and online Solid investment advice from the world’s best performing market timers. Leading investment experts give their views on the resource sector, Oil & Gas stocks, Gold, and Silver stocks and Trends, Copper, Palladium, Base Metals, more.
Profiled Company: Barkerville Gold Mines and DTS8 Coffee Company, Ltd.

Henning: Musings of a Stock Market Curmudgeon
Payback Time
By Thomas Henning
The panicked Bilderboyz are not happy campers as their Russian Frankenstein monster that they financed and created a century ago is not playing ball and giving up the Ukraine’s energy and farmland assets. One diplomatic stooge complained that Russia was not playing by the One-World-Order rules. Do tell. The Sheiks of Araby aren’t playing ball either.

MUST READ: In Gold We Trust 2014 (92 Page pdf Report)
The newest edition of the annual In Gold We Trust report is out. This eight edition goes again to the heart of gold's value and analyzes the yellow metal as a monetary asset rather than an industrial commodity. The In Gold We Trust 2014 report takes a sober look at the big picture in the monetary system and offers a holistic analysis of the gold sector. It is written by Ronald Stoeferle who is the managing partner of a global fund at Incrementum AG in Liechtenstein, based on the principles of the Austrian school of Economics. Download now...

The Silver Dilemma: Five Great Reasons to Buy – and Two Good Reasons to Sell
No metal is quite as erratic as silver – but its potential to make its buyers rich is huge. Dominic Frisby examines the charts to see where the price could be heading next.

Retirement Income: Watch Your 401(K)s
With the decline in median income, not to mention the record number of former employees no longer even counted in the workforce, it should come as no surprise that Americans increasingly access their retirement savings accounts like piggy banks.

Understanding China’s Gold Market
In 2013 China became the world’s largest gold market, accounting for around a third of global gold demand. By the end of 2017, we expect demand to have grown by at least a further 20%. Because of its sheer size and impact on the global gold market, China is firmly in the spotlight.

Points on Gold
Shareholders of gold mining stocks must keep in mind that we do not have the requisite start of a bull market in gold bullion yet. It is coming and we think that it will begin soon.

Silver Pricing Change Takes Effect; Other Metals to Follow
With the launch of a new system to arrive at the price for silver, precious metals investors are dealing with the first in a series of changes in how the market prices of silver, gold, platinum and palladium are reached.

Gold Shines Most in September on Seasonal Buys
Gold investors hurting from prices within 1 percent of a two-month low can find solace from history showing the metal tends to perform best in September.

The Perils of Penny Stocks
The penny stock market is unusually vulnerable to fraud for a variety of reasons. Of course, plenty of legitimate outfits with tiny share prices – so-called micro caps – eventually grow into bigger concerns and reward shareholders. Financial information is scarce, and many supposedly unbiased reports are actually written by paid promoters.

Switzerland To Take Back Its Gold?
Switzerland is well known for its financial savviness. Their currency, the Swiss Franc, is still considered one of the strongest in the world.

Gold Demand – Not so Hot, Not so Cold
With interest rates expected to stay low for a longer period of time, securities and gold prices have both risen after the Jackson Hole Symposium. The Shanghai gold premium has been running at three to seven dollars over the London price compared to a discount a few months ago.

4 Essentials Your Financial Advisor Should Have
The Client-Advisor Relationship Must NOT Be Overlooked, Says Industry Veteran.

This Is What Warren Buffett Will Earn On His $3 Billion Investment In The Burger King-Tim Hortons Merger
Warren Buffett’s Berkshire Hathaway is providing $3 billion worth of preferred equity financing for Burger King’s merger with Tim Hortons. Buffett’s return on that cash will be 9%.

You Can Be Trusted (So Let Them Know):
Eight Best 
Practices to Help Financial Advisors Stand Out From the Crowd

The financial services industry continues to be the least trusted industry in the world. Unfortunately, says author Steven G. Blum, a few bad eggs have given an essential industry 
a bad name. He challenges today’s financial advisors to incorporate a few essential 
best practices into the way they do business in order to win back consumer trust.

Silver: Its Role in Solar Will Make It Shine
A streaming company offers a stellar way to benefit.

What The Burger King and Tim Horton’s Deal Means for Shareholders
Burger King is buying Tim Horton’s for a total value of C$94.05/SH. Berkshire Hathaway committing $3B to help BKW buy Tim Horton’s.

Being Street Smart
Is It Time To Ignore The Fed
All eyes are on the Fed. When will it begin to raise interest rates? Some say next summer. Others think sooner, in the first quarter of next year. A few Fed governors insist that will be too late, that the Fed needs to act before year-end.

Is the Bull Market Over?
Five years into the equity bull market, global GDP growth remains sluggish, but it is expected to accelerate in the second half of this year.

SNL Metals & Mining: Mining M&A Activity Jumps in First Half of 2014
There was a sharp increase in the number of completed and pending mining project and company deals in the first half of 2014 compared with the same period in 2013; however, the lower averages of price paid and value of acquired commodities per deal suggests that cash-strapped smaller companies are being forced to sell their assets at lower valuations.

Can Big Executive Bonuses Help a Company In Trouble?
A finance professor explains why the CEO may be the company’s best chance of survival in a corporate crisis.

Private Capital Funds To Boost Mining M&A
in Early 2015 with up to US$20B War Chest
According to SNL Metals & Mining data, the first six months of 2014, saw 117 announced deals totaling US$13.21 billion, a 56% increase on the 75 deals worth around US$11.47 billion announced in the same period of 2013. Looking ahead, market experts see activity picking up as up to US$20 billion in private capital funds look for investments in the sector.

Airline Stocks Keep Climbing
In 2000, nine airlines controlled about 80 percent of the U.S. market. The result: Reduced competition amid rising demand for seats has given the survivors a greater ability to raise fares – and to impose an array of annoying fees.

Should I Invest in a Deferred-Income Annuity?
Deferred-income annuities, also known as longevity annuities, provide a guaranteed source of income when you reach a certain age. The downside is that if you die before you reach 80, you get nothing.

Gold and Silver Prices May Not Really Shine Until 2015-6 Warns Ross Norman
Arguably London’s most accurate gold forecaster for the past 15 years, Sharps Pixley CEO Ross Norman is warning of single digit gains only for the yellow metal this year, though he has not lost his sights on ‘very much higher prices’ in 2015-16.

On the Cutting Edge…
Each quarter Friess Associates, managers of the Brandywine Funds, share samples of innovative ideas that cross their research team’s radar screen even though opportunities to invest in them may lie in the future or never surface.

A Perfect Storm
Over the past 30 years, more often than not, summertime has been a period of unrest and in some cases important market developments.

Global Policy Divergence – Really??
What could possibly be wrong with conventional wisdom? It shouldn’t be a surprise that pundits merely regurgitate what others say. But why would Draghi join the fray? It turns out, he has a vested interest in the ‘policy divergence’ view, as promoting it might help to weaken the euro.

Gold Trading: Silver to Gold Ratio 1969-2014
The silver to gold ratio (SGR) is the number of ounces of silver a single ounce of gold can be exchanged for at current prices. For reasons I’ve never understood some people call this the gold to silver ratio, which it certainly is not. Typically, but not always, precious metals bull markets can be identified by declines in the SGR and PM bear markets by increases in the ratio, but history shows that these market trends are not bolted together.

Seasonal Pickup In Physical Gold Demand Uncertain, Could Be Softer Than Usual
The seasonal autumn pickup in physical demand for gold may not be as pronounced as it is in most years since import restrictions have not been loosened in India and Chinese manufacturers may have already built up inventories, analysts said.

6 Travel Scams to Avoid on Your Next Trip
No one is immune from becoming the victim of a scam, but with a little knowledge you might avoid being an easy target.

Chinese Silver Inventories Nearly 90%
Depleted At Shanghai Futures Exchange
Chinese silver inventories grow increasingly tight as stocks at the Shanghai Futures Exchange continue to fall to record low levels. 

Plastic Fish Food?
Every single year, a few million tons of plastic finds its way into the Earth’s oceans. That’s cause enough for grave concern. What might be more worrying, though, is that much of that trash has disappeared. Humans produce some 300 million tons of plastic each year, and the National Academy of Sciences has long estimated that 0.1 percent of the stuff somehow ends up in the sea.

Words of Wisdom About Investing in Stocks
Until you’ve made millions in the market, no one really cares how you invest. Once there’s a sizable fortune validating your strategies, people will line up to hear your ideas about investing in stocks.

Gold’s Advance is Being Capped By the Dead Cat Dollar’s Recovery
We are gold and silver bugs and as such we are aware of the myriad of factors that affect the price movements in the precious metals sector. Here we will take a quick look at just one of them; The US Dollar.

Silver Industrial Demand Expected to Outpace Global GDP Growth Through 2016
The Silver Institute released a report titled “The Outlook for New Electrical and Electronic Uses of Silver.” The report identifies three key potential growth areas for silver demand: flexible electronics; light emitting diodes (LEDs); and interposers. These three growth areas combined have the potential to add another 20 million ounces of silver to total demand by 2016.

Are Commodities Talking To Us
Markets often do talk to us, if only we would listen. Our ears serve as only part of listening. An open mind is also required. Regrettably, minds receptive to new thoughts and questions have been somewhat outmoded in the investment world for many years. Why else do so many seem to ignore what commodities are saying?

You Can Negotiate Anything:
13 Negotiating Techniques Taught at the Wharton School of Business

Everything is open for negotiation – even prices, schedules, and product offerings that seem carved in stone. Steven G. Blum, who teaches at the Wharton School of Business, says no one has to just accept what’s offered…but first you must hone your negotiating skills.

Elephant in the Boardroom:
How Depression and Stress in the Workplace Are Killing Productivity

As companies strive to compete in a global economy, they become high-stress incubators for mental health problems. This wreaks havoc on productivity.

Fewer New Discoveries, Slower Development Weigh on Gold Industry
In light of declining discovery rates and a longer time to advance a discovery to production, the gold industry’s future ability to replace production through large discoveries is in doubt. Analysis suggests that discoveries made since 1999 might eventually only replace half of the gold produced over the same period

Are You Ready for the Great Depression of 2030? Leading Economists Predict a Grim Future…and Identify Who the Winners and Losers Will Be
If you make the right financial moves now, you can safeguard your own family’s well-being.

Your Great Depression Action Plan: Six Things to Do Right Now to Prepare for the Collapse of 2030
The thought that a second “Great Depression” is heading our way in 15 years or so is more than a little scary. But the remedy for fear is action. Inside’s how you can not only survive but thrive during the coming Great Depression.

Is Your Financial Advisor Costing You Too Much Money?
Depending on how much you have to invest and how you invest it, you could be losing out on a substantial amount of money. Inside explains why this happens – and how to stop it.

Does Your Financial Advisor Know His (or Her) Stuff? 13 Questions to Ask Up Front
It’s pretty easy to find a financial advisor who says he or she can work wonders with your money. But how can you separate the truly competent and trustworthy from those who are making empty claims simply to get another client on board? Inside provides a list of questions to ask a potential advisor before you entrust him or her with your financial future.

What to Ask Before Investing in Natural Resource Stocks
Rick Rule, Chairman of Sprott Global Resource Investments Ltd., says that the ‘management interview’ is critical before investing in any junior resource company. Here are the questions to ask before investing.

5 Steps to Take Now Before the Next Data Breach
Shadowy fraudsters are working day and night to find new, mysterious ways to get access to all of your financial and online accounts.

Global Gold and Silver Mine Production Set to Achieve Record Highs in 2014
Global gold and silver mine production are two of the key findings from Metals Focus’ inaugural Gold & Silver Mining Focus 2014.

Brent Cook Reveals His Rules and Guidelines for Evaluating Junior Exploration Projects and Companies
Independent exploration analyst, Brent Cook and a number of his accomplished friends have compiled a list of “must read” rules and guidelines for evaluating junior exploration projects and companies.

The Bull & Bear NewsWire

3M: Still Making Money
This company has prospered by creating iconic products in a variety of markets.

Prepare For The Mother Lode Of New Apple Products
In May of this year, Apple VP Eddy Cue teased a massive product lineup coming soon. Cue said, “Later this year, we’ve got the best product pipeline that I’ve seen in my 25 years at Apple.”

Why Many Argue There's Still A Fortune To Be Made In 3D Printing Stocks
Gartner Group believes the consumer 3D printing remains quite immature. “Consumer 3D printing is around five to 10 years away from mainstream adoption.”

Torex Reports Second Quarter Results
The Project Remains On Schedule And On Budget
Torex Gold Resources Inc. announced its financial results for the three and six months ended June 30, 2014.

SilverCrest Mines Reports Q2 2014 Financial Results Cash Flow From Operations of $3.1 Million, Net Earnings of $1.3 Million
SilverCrest Mines Inc. announced its financial results for the second quarter ended June 30, 2014

Great Panther Silver Appoints New COO
Great Panther Silver Limited announced the appointment of Ali Soltani as the Company’s new Chief Operating Officer. Mr. Soltani has more than 30 years of mining experience.

Why Offshore Fracking Is The Best Investment In Oil
The next frontier of the oil and gas industry isn’t just fracking, but deep-water fracking. We are in a modern day oil boom and that means nothing is off limits.

Gold Likely to Regain Sheen in Second Half of 2014
Despite the possibility of deficient monsoon casting a shadow on the rural demand, riding on overall better sentiments gold is expected to recover its sheen in the second half of the year, Somasundaram P.R, managing director (India), World Gold Council said.

Hospira’s Potential
Hospira Inc. is the world’s leading provider of injectable drugs and infusion technologies. This is a market that promises to have rapid growth in the coming years, and this Illinois-based company has already established a dominant position within it.

5 Best MLP Stocks Yielding 5% or More
These MLPs offer great yields for income investors.

2014 Top Investment Ideas Reloaded
Hand-picked by Credit Suisse’s Investment Strategy & Research team, the following seven investment ideas are designed to ensure you get the most out of your money in the second half of 2014. Giles Keating, Head of Research, shares the rationale behind the ideas and the investment implications.

World’s Largest Silver Producing Countries
Kitco News released a feature focusing on the world’s top five silver producing countries, China, Australia, Mexico, Peru and Russia, which include a graphic of where the countries largest producing mines are located.

Is Art a Good Investment?
A group of researchers say you should buy paintings if you like looking at them, but not to make money
Art has been emerging as a new asset class for the well-diversified portfolio. The reported returns are enough to catch anyone’s eye: the index of fine art sales, used by art advisors to sell art funds, shows an average annual return of 10% over the past four decades. Investors are embracing art-as-an-asset-class as if it were a newly discovered van Gogh. But is it?

Do You Live in Fear of an IRS Audit?
5 Red Flags to Avoid on Your Return

Lowering your IRS profile will help minimize your chances of being audited. Here are five ways to help you stay off the audit list.

Back to the Polls
James Stack, InvesTech Research: 2014 is a mid-term election year. In the 4-year Presidential Election cycle, the Presidential Election year has historically been one of relative stability and generally positive outcome for the stock market. However, mid-term election years are anything but stable.

What We Learned From the Bear/Bull Market
Looking back five years since the stock market bottomed out, you could glean a lesson or two from the stock market's plunge and subsequent recovery. Diversification works.

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The Uncle Sam Savings Plan: 
Why Taxes Are Your
Biggest Expense and How to Get Them Under Control

Most of us assume that our mortgage or rent, student loans, or child care costs eat up 
the majority of our income, but the truth might surprise you. Our biggest expense? 
Taxes, says John Vento. He offers tips on ways to save when the taxman cometh.

Start It Up: Five Surprisingly Great Times to Launch Your Business
Many people want to start their own businesses, but feel that “it’s just not 
the right time.” Sean C. Castrina explains why five common excuses 
should actually be used as motivation to become your own boss.

Are Angel Investors the New Disruptors?
It’s easy to misunderstand how angel investors work and what they want. Ilya Strebulaev, an associate professor of finance at Stanford Graduate School of Business, gives seven basic insights to better understand angel investors.

Are You Penny-Pinching Yourself Out of Business?:
Five Expenses You Should Never, Ever Skimp On

If you’re a small business owner, it’s probably a vast understatement to say that you don’t have money to burn. But according to Sean C. Castrina, there are some areas in which it doesn’t pay to cut costs. Here, he outlines five areas in which you should never be cheap.

Is Your Company Posting without a Plan?
Eleven Essential Components of a Successful Social Media Strategy

Most businesses need a structured road map to create and manage successful social media programs. Here are eleven essential components your company’s social media strategy should include.

Attack of the Idea Killers:
Six Personality Types That Can Sabotage Your
Company’s Best Thinking (and How to Deal with Them)

Group brainstorming is a collaborative idea generation process that (theoretically) gets great results. Yet it takes only a couple of bad seeds to turn these sessions into unpleasant and unproductive nightmares.

Can Anyone Become a Millionaire?
Research Says ‘Yes;’ Expert Shares 4 Tips to Take You There No Matter What Your Income

Ten Common Pitfalls Executors and Administrators Should Avoid
Settling an estate and administering a trust can be complicated, messy, and time-consuming for individuals named as executors or trustees. Many executors and trustees have no previous experience with these matters, causing them to unwittingly commit costly errors. Here are ten pitfalls to avoid.

Lean In or Get Out: 11 Tips for Using Your Expertise to Create a Wickedly Successful Business
If you can’t lean in, get out? That’s what Vickie Milazzo recommends. She says women who are unhappy trudging up the corporate ladder should start their own businesses. She provides advice on how to use everything you’re really good at to bust out of the corporate world and start your own wickedly successful business.

Bull & Bear Featured Company:
Batero Gold Corp.
Advancing of the La Cumbre oxide deposit which sits within Colombia’s emerging and prolific Mid Cauca gold and copper belt...READ MORE    

Your Child Can Retire with Millions!
Vita Nelson, The MoneyPaper: Children can grow very rich – very easily – because they have TIME on their side. Time is an investor’s greatest ally. It is the key element in the power of compounding, and combined with investments in the stock market (where the average annual return has been nearly 11% since 1926), the results can seem like magic. Here is a 20-stock DRIP portfolio made up of stocks we like for long-term accumulation.

No Money, No Problem: Eleven Tips for a Start-up
Business with Very Little Cash (and a Great Idea)

Many entrepreneurs kick off their ventures on a budget so lean it’s beyond shoestring; it’s dental floss! That’s especially true in an era where credit is almost impossible to come by. Michael Houlihan, one of the founders of Barefoot Wine, explains how to get the biggest possible bang out of very few start-up bucks.

9 Major Retirement Planning Mistakes to Avoid
Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations and charities. Aside from these blunders, there are also some classic financial missteps that plague retirees.

Astronomy Picture of the Day
     Discover the Cosmos

Fifteen Tips for Making Sure
You Are Better Off Four Years from Now

To improve your financial outlook during the next four years, read on for a few of Tyson’s tried and true personal finance tips.

Financial Advice for Newlyweds
People are waiting longer to get married. This means people also have time to accumulate more debt by the time they_tie the knot. Here's how to avoid financial stress.

Documents You Need When Disaster Strikes
Financial advisers say people who identify and prepare key documents long before calamity strikes can avoid unnecessary damage to their personal finances in the wake of a fire, flood, hurricane or other disaster. What you need...

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