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For entrepreneur Steve Sodell, the Super Bowl started in late October. That's when he and his staff of 12 began renting retail space in shopping malls and hotels across the Phoenix metro area—stuffing shelves with NFL-licensed T-shirts, hats, and other collectibles emblazoned with this year's Super Bowl XLII logo. By the day of the big game on Feb. 3, his makeshift merchandise empire will comprise 24 stores and 42 employees. Ten days later, business shuts down and Sodell starts planning for next year's Super Bowl in Tampa. "We have a very short window of opportunity to make our money," he says.

The race for Super Bowl profits is on. While the New England Patriots attempt to become the first team in the National Football League to reach a perfect 19-0 record, businesses across the country are banking on this game to be a bigger economic driver than any single sporting event in history.

Some records have already been set: The cost of a 30-second commercial during Fox's broadcast, $2.7 million, is the highest ever. So is the price tailgaters will pay to get inside University of Phoenix Stadium, between $700 and $900. But the cavalcade of businesses and entrepreneurs that have come to surround the Super Bowl—from snackmakers and electronics retailers to the bookies in Vegas and the hotel operators in Phoenix—are gearing up and holding onto hope that consumers will put aside concerns of a tightening economy and indulge in this Super Sunday with extravagant parties, big-ticket purchases, and

How Banks Create Money out of Thin Air

Most money in the economy is held in the form of deposits with banks rather than in the form of notes or coins. If you purchase an asset from me for $1000, payment is normally effected by reducing your checking account by $1000 and increasing my account by $1000. The net change in bank deposits is zero.

If one year later, you decide to sell the asset and I purchase it back from you for $2000, where does the additional money come from? The transaction this time increases your account by $2000 and reduces my account by the same amount. The net effect is still zero.

The bank can loan me the extra $1000 simply because there is a corresponding deposit of $1000 in another account. It does not matter if the deposit is not with the same bank; the clearing system offsets all transactions between banks and any temporary shortfall is made up by

WASHINGTON (AP) -- Conflicts of interest may still be rampant on Wall Street, with a new study showing that nearly two-thirds of investment-firm analysts received favors from executives of companies they cover and suggesting that the companies get favorable ratings in return.

The academic study published Friday outlines a culture of blatant back-scratching on Wall Street as company executives bestow professional and personal favors on analysts -- putting them in touch with top executives of other companies, recommending them for a job -- and their companies receive positive ratings and evade stock downgrades. At the same time, executives punish analysts for negative reports by refusing to answer their phone calls or their questions.

For their study, management professor James Westphal of the University of Michigan and accounting professor Michael Clement at the University of Texas sent 4,500 questionnaires to financial analysts between 2001 and 2003 and follow-up surveys to hundreds of executives at the large and mid-size public companies covered by the analysts.

The 51-page study, to be presented at the Academy of Management's annual meeting next month, found that the more a

Question: I have no experience in the stock market, and I'd like to invest some of my money, but I do not have a clue how to go about it. Can you help me or tell me what to do before I make a move that may ruin my life?

Answer: I don't know if I can deal with all the issues that might ruin your life -- but let's look at the financial issues.

If you haven't been involved in the stock market, ask yourself how much can you afford to lose, both financially and temperamentally. Yes, I did say lose. The brokerage community usually asks, ``How much do you want to make?'' A silly question, don't you think?

I know I have no limit to the amount I am willing to make. ``Two million, not a penny more,'' you may say. I don't think so.

After you have decided that you are willing to accept the risk of loss, and how much you are willing to risk (even prudent investment has risk), I would advise starting slowly.

It's not every day you get to see the world's second richest man lose.

But the shareholders of Berkshire Hathaway Inc., Warren Buffett's holding company, got to see it twice during the first weekend in May at the Berkshire Hathaway 2007 Annual Shareholders Meeting in Omaha, Neb.

First Buffett, whose net worth Forbes magazine lists at $52 billion, took on friend and Cleveland Cavaliers basketball star LeBron James in a game of "horse." Then he challenged an 11-year-old table tennis champion.

Suffice to say, Buffett probably ought to stick to investing.

Much of the weekend was filled with light-hearted fun. Shareholders who made the pilgrimage to Omaha this year got a chance to shop the

Here are 7 stocks for traders for Wednesday from TradingMarkets.com:

Altria (NYSE:MO - News) reports earnings on Wednesday before the market opens; watch for $1.13 EPS. MO's PowerRating is 6.

CIT Group (NYSE:CIT - News) is expected to report $1.35 EPS before the bell on Wednesday. CIT's PowerRating is 6.

JP Morgan Chase (NYSE:JPM - News) should report $1.08 EPS on Wednesday before the bell. JPM's PowerRating is 5.

Lufkin Industries (NasdaqGS:LUFK - News) is looking to announce $1.19

When it comes to getting started investing, I've heard all the excuses. You're not good with numbers. You don't have a lot of money. You don't have enough time.

Whatever.

You just don't know what to do or where to go. The task may seem daunting, but you don't have to be a math whiz sleeping on a pile of cash to be an effective investor. You don't even have to dedicate an entire weekend to the project. In the time it takes you to watch a Simpsons episode, wash a load of laundry or order a pizza, you could set yourself on the path to riches.

Consider this: If a 22-year-old invested just $50 a month and made an

Coming soon to an investment shop near you: a mutual fund or exchange-traded fund based on a collection of stocks favored by America's investment clubs. Each year, BetterInvesting, a nonprofit umbrella group for the nation's 13,000 investment clubs, lists the 100 stocks held by the largest number of clubs. Last April, the list became the BetterInvesting 100 index, quoted daily on Nasdaq. Expect derivative trading products by year-end, says Peter Breen, a consultant to BetterInvesting.

The index is equal-weighted, meaning that all companies count the same. Two returns are calculated daily: One reflects price changes only (symbol
BIXX) and the other represents the total return BIXR), including cash dividends. The index will be updated annually to reflect club members' current favorites. That's often enough, considering that clubs typically hold

There are significant differences between common and preferred stock. Generally, you will want to issue common stock to founders and employees through the employee stock option program and offer preferred stock to investors.

Common stock should be thought of as a vehicle for issuance in exchange for effort, or "sweat equity." Preferred stock has preferential rights in matters such as liquidation and board representation. These are rights generally reserved for those who have invested cash in the business.

So why take on this complexity when you're just a startup? Having common and preferred stock is the simplest way to give preferred