I predict that in the very near future we will begin to hear stories about a new banking crisis. This time instead of bad home loans it will be bad car loans. I read that automobile repos are at an all-time high and are expected to get worse. Low interest rates and long loan terms have allowed middle class people to get into car debt far beyond their means. Now, with crushing gas prices and no one buying giant gas-guzzlers, repossession is the only way out for many people. Some are voluntarily surrendering their cars, others are having repossession forced upon them. How many times does Merle Sneed need to nag people about the perils of debt? And speaking of nagging, I helped a guy today who was looking for a bug light. I showed him the regular incandescent bulbs, two for $3.29 and as he dropped them into his cart, I suggested that he might want to consider a compact florescent bulb instead. He looked at the $8.99 price and decided that was too much to spend. That is until I mentioned that it uses only one-sixth the energy of an incandescent bulb and lasts for five years. I think most people are becoming hip to the fact that, global warming or not, it is time to stop being so wasteful. This guy was no exception. He weighed the value of a long-life, energy-saving bulb and decided to spend a few extra bucks for a more environmentally friendly bulb. Things in this blog represented to be fact, may or may not actually be true. The writer is frequently wrong, sometimes just full of it, but always judgmental and cranky