One of the most important things that I did to turn my life around was to realize and to accept that from this minute that's all we have. Everything that happened behind us we cannot change so you might as well look to the future.
Imagine if the pension funds and endowments that own much of the equity in our financial services companies demanded that those companies revisit the way mortgages were marketed to those without adequate skills to understand the products they were being sold. Management would have to change the way things were done.
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One-third of Americans have already been forced to change their lifestyle because their disposable income is gone. A guy can't go to the corner bar after a rough day at work to have a beer that's gone to oil!
