If you're having trouble coming up with next week's Christmas Club payment clearly you're not among the ""sophisticated investors"" -- but for those with an uncommitted 50 thou who are concerned about ""capital preservation"" (prominent in the lingo since devaluation), considering Euro-currencies, need the latest information on tax havens (Panama is still a favorite; Minerva, about to be founded along capitalistic, laissez-faire ideology, is discussed as a tax haven to be), this dictionary of money matters is worth its weight in any country's bullion. Schultz who publishes an international investment letter takes an amoral view: speculating in currency futures or short selling are not ""seamy,"" ""evil,"" or ""unpatriotic"" -- simply whatever makes money is good, whatever loses it is bad.