What a mess the financial geniuses of this country have created through their 'miracle loans' to struggling families who dreamed of owning their own home. Through their corporate greed, many of the country's mortgage loan companies and Wall Street banks have not only caused millions to lose their homes through foreclosure, but they have harmed the U.S. economy as well.

Isn't satisfying to see these mortgage companies and banks - villains and perpetrators all - now themselves suffer from plummeting stock prices and even bankruptcies? They are now reaping what they have sown.

The root problem is that millions of home buyers used 'too good to be true' home loans to buy homes they really couldn't afford. The mortgage companies and banks offered these loans, often with deceptive and tricky terms, to make millions off the loan fees. The loans were hard for buyers to resist because they had low or no interest charged for the first years. But now the loans are 'exploding' with dramatically higher interest rates and these home buyers find themselves unable to make the monthly payments.

For years all was well while home prices skyrocketed with the fuel of low interest rates and easy credit. But now the party has ended. Home prices first plateaued and then began falling, millions of buyers are defaulting, Wall Street is losing billions, and the nation teeters at the brink of a recession.

How can you profit from this? Of course you want a safe method. Want a sure fire method? What is it? Hint, it's not buying distressed homes - it's likely to be years before the real estate markets recovers. Furthermore, the only safe way to invest is through diversification, and you'd have to buy multiple homes in each of 5-10 disparate housing markets across the country to be safely diversified.

The road to safe super riches is instead to identify and invest systematically in the major sectors of the U.S. economy that currently have dramatically lower stock prices because of the subprime mess.

Here are some of the stock sectors you can consider: home loan companies (only choose the strongest, yes, they will recover), Wall Street banks, home builders, home supply companies such as Home Depot & Lowes, and, surprisingly, department stores. Why department stores? Because their stocks are down by a third or more this year, since investors believe that consumer spending will be crimped for 6 months or more because of tighter credit and lowered home equity.

Wait, don't go buying stocks just yet. First, arm yourself with the 'safe' method: diversify by sector, diversify by stock, and diversify by time.

Diversify by sector means buy into 4-6 different sectors, such as the ones listed above. Diversify by stock means don't buy individual stocks, instead buy 2-4 in each sector, or, better yet a mutual fund or index fund that focuses on that sector.

Diversify by time means don't buy into these sectors all at once, instead invest an even amount every month over the next 6-12 months. For instance, put 1/6 of your money in now and 1/6 in each of the following 5 months. No one can time the market. It's very possible the market and these sectors will have some more downs in the next 6 months. But by buying in a disciplined fashion over the coming months you'll be 'dollar cost averaging' and building a strong and safe investment position.

Sold? Implementing the plan? Now is the time to be patient. The sectors will recover at various times, but the one thing you can be sure of is they will recover. And the best part is that stock prices are a leading indicator, meaning their stock prices will recover and appreciate handsomely, before the sector actually fully recovers. Everybody wants to get in on the next hot sector. But the only sure way to do it is when the sector is hurting and no one wants in and the prices are depressed. Thanks to the subprime mess, that's your opportunity today.

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