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Concerning any controversy, don't immediatly assign to malice or conspiracy that which can be explained by mere stupidity. Keep that rule in mind and political science will make sense. Remember, Occam did not work for Gillette. -- John

People buy term life insurance in case the unforseen happens. You but whole life insurance because the forseen will happen. -- John

Is this the time to buy? It very well could be if you have a strong belief that you will keep your job or business. In addition to incredible bargains and the usual tax breaks, until july 09, you can get up to $7,500 tax CREDIT (not deduction). That means that if you owe $7,500 in taxes you pay nothing in federal tax. This applies to any home, new, used, etc. but only if you haven't owned a home for a few years and will make the new home your primary residence. Fixed mortgage rates are likely to drop below 5% for a 30-year and you have the deal of a lifetime! -- John