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Since about 1978 we have been running an economy on the back of the consumer.  During the last 30 years, real income has declined, as adjusted for inflation.  The difference between real income adjusted for inflation and spending has been fil…

Loan Modification companies are springing up faster than weeds in a summer meadow!  Many are merely out to capitalize on the despair of others; similar to the lenders who dealt out mortgages to home owners looking to bridge the gap between wanting…