When I tell people I have less than nothing, their first response is usually, "That's not true you have a lot. You have a nice car, you have houses, etc" When I say I have less than nothing I am being honest. When I say I wish I had nothing but I'm not that fortunate, I am being honest. If you haven't figured it out yet, I'm referring to debt and not actually owning anything, in simple words, my equity is negative.

A few days ago I wrote about the problems dealerships in my area are having with apparent understaffing or age discrimination. Everyone seems to be blaming the the problems car dealerships are facing on the credit freeze.

I do not know anyone personally who has been affected by the credit freeze and the banks are still instantly approving me for large sums of money for car loans when I have an enormous amount of debt (way more than the average American). In addition, my credit score isn't in the 700s like most people claim you need to have to get a loan now.

Ever wonder to yourself if some of your friends are pretend friends? They seem to only tolerate and exchange an equal amount of energy with you only when face to face? Do sometimes you get the feeling that on their priorities list you may be near the very end?

Since the stock market peaked around 14000 not too long ago, most of the stocks have gone on sale, selling at reduced prices to the public. Now that the dow is nearing 9000 points, some stocks can be found to be as low as 25% of what they were a year ago.

For some this is one of the biggest opportunities of a life time, there may never be another opportunity like this for most of us. This is the biggest market sale since the Great Depression where stocks were selling for pennies on the dollar.

When the Bailout Plan was first introduced and failed to pass house vote, they were offering it as a way to save Wall street from its poor decisions. Then all of a sudden it turned to saving Main Street as well because they are connected. If Wall street fails Main Street would eventually fail. What they didn't realize is that Main Street has been suffering for a long time before Wall street collapsed. We have been dealing with layoffs, high gas prices, low wages, no health insurance, and our savings being threatened from stock-market volatility.