O.T./ Well, doni, I appreciate the response, but I guess I will have to play politician here and dodge that exact question with a response to your last comment. No, not everyone is in debt up to their eyeballs.

I don't have much, but my condo is paid for, and I am debt free, because I just paid my tax bill. I OWE NOTHING! Some of the problems people are facing have been brought on by unscrupulous vendors, AND THEIR OWN STUPIDITY! Constant downplaying of the economy by the press and some unfortunate failure, during an election year, are normal. We can re-visit this much later on this year.

The guy has not been wrong about the general trends in the markets for the last twenty years, that I know of. Thanks and have a great week!

T.K.