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Yes, Americans can still get credit for cars and trucks and refrigerators, and those businesses are doing well. But just try to get a home loan now.

A long time ago, Trinity and I made a list of types of guys you should never date. We add to it every now and then. It includes things like never date a guy whose computer costs more than his car (you'll never get him to pay attention to you except over instant messages), never date a guy who has a pet lizard (he's probably into weird stuff in bed) and never under any circumstances go on a second date with a guy who says the word "married" on the first date (he'll turn out to be a mama's boy or a religious type)

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