Believe it or not, times are still changing. Fundamentals of the American economy are shifting dramatically and we're watching a number of preconceived notions about money and investing fly right out the window. The last two years have been especially eye-opening as we've watched hundreds of banks fail, thousands of homes go into foreclosure, stocks become worthless, and large institutions write down billions of dollars in toxic assets. But is there any reason to believe that 2011 is going to be any different? There will always be the hopefuls that say we've hit and bottom and we're destined to turn this thing around. I've even heard people saying that real estate is appreciating steadily where they are, which is likely wishful thinking at best.

2011 is going to be another banner year for change - so if your number one concern is to keep your money safe, what are you going to do with it? Our purpose today isn't to tell you what to do with it, but instead we want to give you a little primer for what is to come in 2011 and beyond. 60 Minutes recently covered a topic that we've been talking about for quite some time but is finally now starting to show up in mainstream media - the insurmountable debt that our federal and local governments have piled up. What's going to become of it? And how does it affect us as investors? If you missed this segment it's worth 10 minutes of your time to get a small dose of just one of the many economic issues facing our country today.