In the words of the great American folk singer Bob Dylan and his great song “Shelter From the Storm”

I was burned out from exhaustion, buried in the hail,Poisoned in the bushes an' blown out on the trail,Hunted like a crocodile, ravaged in the corn. "Come in," she said,"I'll give you shelter from the storm."Suddenly I turned around and she was standin' thereWith silver bracelets on her wrists and flowers in her hair.She walked up to me so gracefully and took my crown of thorns."Come in," she said,"I'll give you shelter from the storm."

Appropriate lyrics that fit these uncertain times, and where you ask is our financial shelter from the storm? Firstly, last week the U.S. Federal Reserve flat out stated they will bail out the American credit market at whatever the cost is, by lowering rates. This is going to cause a declining dollar to fall even faster and further against all currencies, the Ruble included. Your solution is to find quality Ruble denominated instruments with a short to medium-term maturity horizon. Also, learn to block out what the “experts say” sometimes. Supposedly every single time the American Fed has lowered rates, oil has done poorly. The “experts” though, are basing their predictions off of obsolete models. We don’t have the time or space in this article as to exactly what makes today different from 20 or even 10 years ago, but I’m sure you can easily guess some of the major reasons.