So now the change to the economy is going to take a few years. It really only took a year to get this bad and gets worse every day. Just wondering why we have to wait years for it to get better? If we as a whole (taxpayers) are bailing out all this stuff why is it that then to problem doesn't go away? Somebody please explain this to me. The banks had a shitload of bad dept they got money to pay that away so they now have no more bad dept and have the money to loan. They seam to scared to loan the money because of fears that it will happen again and well they will get bailed out again. If the banks aren't going to loan money to people then the government better get into the business of banking and loans. the government can keep bailing out business after business but if money isn't flowing from business to business it's completely pointless. It's like your dept free now the government paid off your home loan and you have 1000.00 extra a month now. If you save it all the country will fail, you save half every month better but not enough, spend 750.00 right on right one you now have helped save to country. My logic to this is if you saved all put it in to that nice CD or treasury bill etc.. when you go to use it in the future the value of that money will not have increased higher that the loss of value of the dollar getting to that point in time.

The 1000.00 you save a month for 20 years with interest let's say gets you 255,000 (I know i'm low but that's not the point) you have 255,000 and that's your retirement money you'll get a little every month as you pay check. The value of what just one of those dollars will buy you in the future will be greatly different in the future and savings doesn't cover inflation. $1.00 in 1970 had about the same buying power as $5.58 in 2008. $1.00 in 1980 had about the same buying power as $2.71 in 2008. $1.00 in 1990 had about the same buying power as $1.66 in 2008 $1.00 in 2000 had about the same buying power as $1.25 in 2008. I have only done the year since i have been alive but as you can see do to inflation saving it all woun't help you cause that box of oatmeal will soon be 6.00. If commerce get's flowing as it was last year and years before inflation doesn't increace as much. So save your 25% and spend the rest.

This is what the people and the government need to be telling the banks that were given bail out funds.