The last few years have been a roller coaster and have taken their toll but, I have learned a lot and I hope that my experiences have helped others too.

This economic downturn is on its way. people I speak to locally don't agree.

They never agree until it happens and they rewrite history to say that they knew. How many economists were talking about the economy in early 2007 across the mainstream media. Either they have no idea what they are doing or, they have a very good idea of what they are doing.