I don’t know about you, but I’m on recession overload. Lately, I turn the news off and skip the newspaper.

Part of the problem are all the so-called experts offering “advice” that does nothing but confuse and scare people. They remind me of the self-proclaimed gazillionaires on 3 a.m. infomercials hyping their “How to Make a Million Dollars in Your Sleep” books. We all know they are just hot air and smoke.