Indexes Dow Jones Industrial Average down 11,66 points (0.09%) to close slightly lower in 12.708,82, an end to the rising streak for four sessions.

The Nasdaq composite index slumped 2.53 stock technology (0.09%) become points of 2,784 general agreement, while the broad-based index S & P 500 up thin 0,62 (0.05%) points to 1,014 Indonesian rupiah.

“Talks are continuing between the Government of Greece and the holders of bonds, the State does not make any progress, and the imposition of the embargo on Iran’s oil and other sanctions have been approved by the European Union,” said Paul Ausick of 24/7WallSt. com.

Financial stocks turned around after his strong varied. Bank of America is the strongest rise in stocks with a group of 30 Dow stocks, jumped 2.6 percent. But Citigroup rose thin only 0.7 percent and Goldman Sachs down 0.5 percent.

There is no major economic data releases on the calendar Monday and Tuesday. Federal Reserve opens two-day policy meeting on Tuesday, followed that night’s State of the Union speech to Congress, President Barack Obama, which is expected to focus on the economy.

A reshuffle in the ranks of the top Research in Motion, maker of the BlackBerry in Canada’s difficulty, left investors cold.

The Chairman of the joint Executive Mike Lazaridis, RIM and Jim Balsillie on Sunday announced their resignation after the company continues to lose market share by Apple and iPhone and handsets powered by Google’s Android software.

Operating Director Thorsten Heins was appointed President and CEO. RIM shares fell 8.5 percent in Nasdaq became 15,56 US dollars.

Stocks increased by 1.6 per cent to the Apache 98,38 dollars. Oil and natural gas company that says it will buy privately-held energy assets in Oklahoma and Texas in a cash and stock transaction worth 2,85 billion dollars with the Cordillera Energy Partners III.

CHIEF EXECUTIVE OFFICER g. Steven Farris said that given the weak price of natural gas, oil, gas boosters is not so.

Rival company Chesapeake Energy jumped 6.3 percent to 22, 28 US dollars after announcing it reduces the production of gas in the middle of bountiful supplies erode prices.

Bonds weakened on Monday. The yield on the 10-year Treasury rose to 2.03 per cent 2,07% of on Friday, while 30-year Treasury bond rose to 3 of 3.10 percent.

You can think of debt financing as being divided into two categories, based on the type of loan you are seeking: long term debt financing and short term debt financing.

Long Term Debt Financing usually applies to assets your business is purchasing, such as equipment, buildings, land, or machinery. With long term debt financing, the scheduled repayment of the loan and the estimated useful life of the assets extends over more than one year.

Short Term Debt Financing usually applies to money needed for the day-to-day operations of the business, such as purchasing inventory, supplies, or paying the wages of employees. Short term financing is referred to as an operating loan or short term loan because scheduled repayment takes place in less than one year. A line of credit is an example of short term debt financing.

Below is a list of simple suggestions on what should and should not be done financially to plan our finances in a crisis.

# Keep cash on hand. Even if the possibility of losing your job is too remote, or considers that the possibility of a financial emergency is unlikely to have a certain amount of money in immediately available may be reassuring. If you are used to save on fixed-term investment, we suggest you keep some of your savings into an account that allows you to dispose of it immediately.

# Do not bet everything on a single investment. In times of economic instability is particularly recommended to diversify our savings and investments. It is convenient to choose several types of investment (funds, savings accounts, real estate, stocks, etc..) As if at a given moment of its investments or losses encountered problems, it is good to have backup alternatives.

# Make arrangements in your home and save. It is recommended that you take time to consider what improvements inexpensive at home would allow him to save. For example, you can reduce your electricity consumption repairing short circuits, checking that their devices work properly, acquiring new technology bulbs with low consumption and durability. The same may be applicable for other services such as gas, telephone and water. Even if the moment seems to be spending more on repairs, if planned properly you will notice the benefits in the medium and long term. And you can project that in its annual budget.

# Keep a count of their expenses. When planning the finances in times of crisis you should create a document (either in a notebook or digital) where you can make a list of your expenses month to month.

# Design a scheme on its budget and financial needs. It is also recommended that we list the income and classify them according to the certainty that we receive them. After this list, you can plan expenditure also from the inevitable hierarchy even dispensable.

# Do not forget insurance. Life insurance, auto and housing may seem, at first glance, an unnecessary and dispensable at a time when money is tight, however, are very useful in case of an eventuality. So, to make our financial plan must consider insurance, according to the type of protection we need, and not leave them out of our budget.

Finally, we note that, since it is difficult to predict the behavior of the economy in crisis, our plan must be able to be flexible and modified. That is, we must be prepared to make some changes in our plans, if the financial environment will vary. To achieve this it is advisable to review the objectives, targets and budgets to consider writing each month to make any adjustments.