I ALWAYS WORRY that readers will be exposed only to large doses of the sort of bad-news stories that seem to dominate the media. So it might be useful to look at the good news lurking in the bad-news headlines.
House prices are falling: True, but if you bought your home long ago, or even only a few years ago, you are still wealthier than you were then, even without counting the approximate 8 percent gain in your 401(k) this year. And if you have been wanting to buy a home, but have been priced out of the market, that market is coming back to you.
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